davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-21
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 (CA)

On XX/XX/XXXX I was notified of a fraudulent purchase on my Goldman Sach 's Apple Card. I requested that card be shut down and have a new one issued. On the morning of XX/XX/XXXX I noticed approximately XXXX on my credit card all in huge chunks of XXXX plus transactions in Florida and NY. I live in Ca and never traveled to those areas. I called XXXX and spoke with XXXX ( they do not release last names ). I was told she was a supervisor and she placed disputes for all these transactions. During the entire month of XXXX I continually called XXXX to confirm updates on all this ( To date I've called XXXX XXXX ). On XX/XX/XXXX, I spoke with another supervisor, XXXX ( I believe ). I completely paid off all my transactions and the entire account was closed and he said settled. Fast forward to the first week in XXXX when I received a bill from XXXX. Since this bill I've called easily over XXXX and keep getting the run around. First, no one will let me deal with just one person as this is a lengthy scenario. Second, every supervisor I speak with tell me different things on what's NOT resolved or resolved. I have over 40 emails to document the transactions resolved. On XX/XX/XXXX, I was told by " XXXX '' some of the transactions XXXX said were resolved with emails, are NOT resolved and I still have an outstanding bill with payment due on XXXX. The payment as of then ( NOT SURE IF ITS changed again ) was the result of interest/cash back ( FROM all the fraudulent purchases that I NEVER received in my apple cash since I shut the entire account down ). I have since contacted the XXXX  ( case # XXXX ), FTC ( case # XXXX ) and filed an identity theft report ( Con # XXXX ) and placed a fraud alert on my account thru XXXX. It has been over 90 days now and I can not find anyone within XXXX to solve these matters and end this investigation. Nothing was ever ordered by me, delivered to me, nor have i ever been to Florida or NY. And the administration of this credit card not catching this going on and not handling promptly is extremely frustrating to say the least. I have zero other evidence other than people who saw me in XXXX XXXX on these dates and times and if one were to check with XXXX it would who i've never traveled to any these states. Nor was anything ever sent to me at my home address. I have never had any issues with other credit card companies if one fraudulent charge came thru, which they would catch and call me. To let over XXXX charges hit my account, lots within minutes or seconds and in same increments at times, is beyond belief.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX  Balance : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX  Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

On XX/XX/21 I received an email from Experian stating my credit score had dropped. When I checked my score, I saw it had dropped 25 points. I checked my credit report, and it showed no reason for the drop. I called Experian on XXXX ( they're only available M-F, XXXX ) and they referred me to FICO. FICO sent me back to Experian. 
I called Experian again XXXX and spoke to a supervisor named XXXX. He was dismissive, claimed my 25 point drop was normal, and that if I want to know what caused the point drop, I'd find out when I applied for a loan. I explained that I want to fix the problem BEFORE applying for a loan ; and he said a 25 point drop is something he " sees everyday '' and claimed it was based on my open credit. I explained I haven't opened or closed credit accounts in 4 years. He dismissed me and offered NO help to figure out why my credit dropped suddenly. He claimed my concerns were baseless.
Consumer complaint received 2018-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I deposited a friends pay check for {$860.00} the bank accepted the check, cashed and made funds available then froze the funds had them frozen for 2months with me calling and leaving messages and then want to reverse the check and close the account almost 3 months later
Consumer complaint received 2022-02-21
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: Experian Information Solutions Inc. (NY)

The Collectors know my credit history and I did not give them any permission to have my medical history and they can not provide access from the medical company.They shouldnt have access and that's a violation under the HIPAA Act of 1996 which state, Generally your health information can not be used for purposes not directly related to your care without your permission.
Consumer complaint received 2021-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ) has been sending me collection notices in the amount of ( XXXX ) and ( XXXX ). The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-21
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: EQUIFAX, INC. (CT)

UPDATED INFORMATION as of XX/XX/XXXX EQUIFAX has violated me multiple times and is liable for damages. Good Faith in the banking system is dependent upon proper and accurate credit reporting and EQUIFAX has cause me to lose faith in the banking system. I am no longer willing to extend my credit as the original consumer and creditor if this matter is not solved and payment has been made. 

EQUIFAX had furnished a unauthorized inquiry on my reputation that i have disputed in XXXX and they have not verified accuracy in a timely manner and proper manner according to the FCRA guidelines and have not performed their Grave responsibilities in confirming accuracy under the FCRA. They claim they have investigated my claim but in fact DID NOT and are in violation of 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction this states they may investigate ONLY! through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer '' I want to know which personal interview they have conducted. Pursuent to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate to me. EQUIFAX allowed inaccuracies to be furnished on my consumer report. This act of Ill Will has caused me to lose confidence in the banking system and as a result i will no longer be extending my credit as the original creditor and consumer to anyone nor will i allow you to furnish a report on my behalf as a result. If you wish to do and continue to do business with me i am demanding you do what i say. I seek for paid remedy for damages under 15 USC 1681n and 15 USC 1681o for the total sum of {$8000.00} with additional violation under 15 USC 1681 inaccurate procedure of report investigation.. Pursuent15 U.S. Code 1681 ( 2 ) ( 3 ) - Congressional findings and statement of purpose EQUIFAX Is a Elaborate Mechanism who Assumed its roll collecting my information against my concent and right to privacy, Once again they have violated me under -1-. 15 USC 1681 -2-. 15 USCode 1681b ( 2 ) -3-. 15 USCode 1681e -4-.15 USCode 1681i -5-. 15 USCode 1681c ( 5 ) -6-. 15 USCode 1681s2 -7-. 15 USCode 1692j -8-. 15 U.S. Code 1692j
Consumer complaint received 2020-01-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB (PA)

the lender charges a late fee of XXXX dollars every month as I am making my payments of XXXX dollars on time. They say that i should pay XXXX dollars every month on a balance of XXXX dollars. They minimum amount due is excessive and their practices really against any expectations from the US consumers. This is a XXXX XXXX company tied up with XXXX. I did not expect the latter company to subcontract with non usa based companies as i used them to see a football game in XXXX. XXXX vs XXXX. Foreign lenders need to clearly disclose they are based overseas. The company is called Klarna.
Consumer complaint received 2022-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (IN)

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

To Experian Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because 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 XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report
Consumer complaint received 2021-06-11
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: Experian Information Solutions Inc. (IL)

On XX/XX/2021 I sent a FTC report to all of the three credit bureaus regarding fraudulent items on my credit report. To this day over 56 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 56 days so they should be deleted promptly. I demand these item to be deleted immediately or I will file for litigation due to the stress you have cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-21
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. (AL)

I have previously filed a report stating the bills included in this report do not belong to me, XXXX XXXX continues to report these accounts irresponsibly causing undue strain and stress in me. I am in the process of relocating to buy a home and my credit is reflecting these accounts prohibiting me from doing so. I would like these accounts removes as soon as possible. These accounts are being recycled to different debt collection agencies by XXXX.
Consumer complaint received 2022-02-21
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

This complaint is against capital one credit card services. In XXXX of XXXX, I sent a written notification to capital one of billing errors that appeared on my statement printed XX/XX/XXXX. This is as directed per the instructions on my statement. The notification was sent to Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX You were notified in writing in XX/XX/XXXX as to billing errors discovered on my statement. No response was ever received. 

You were again notified in writing in XX/XX/XXXX of billing errors discovered on my statement. No response was ever received. 

You were notified again in writing in XXXX of XXXX of billing errors discovered on my statement. No response ever received. 

You were notified in writing in XXXX of XXXX of billing errors discovered on my statement. No response ever received. 

You were notified in writing in XXXX of XXXX of billing errors discovered on my statement. No response received You were notified in writing in XXXX of XXXX of billing errors discovered on my statement. No response received. 

You were notified in writing in XXXX of XXXX of billing errors discovered on my statement. No response received. 

The card ending in XXXX was not deactivated until XXXX of XXXX. 

No response was received for any of the written notifications sent in regards to this account within the specified time period specified. 

You first responded as to the outcome of the Identified billing errors investigation at the end XX/XX/XXXX. 

My phone calls were met with extreme resistance and extreme repetitiveness, creating overall confusion as to why and what all had been included in the disputes. The subsequent fraud case which was opened unbeknownst to me was deemed closed in XXXX. 

The response I was given over the phone was that it was my fault I continued to pay for the outstanding charges on my bill that were valid and that nothing would be done further. Despite capital one never canceling the card or providing any fraud protection of any kind. I was not aware the charges had not been reversed and continue to use the card as normal having never received any written notification or further instructions. 

Additional correspondence received in XX/XX/XXXX informing me of additional charges added to the case ending in XXXX. XXXX correspondence previously stated this case as closed. 

This is a demand for remedy for the outstanding refund owed to me in the amount of {$11000.00}. 


Copies of all written notifications sent to capital one have been attached.
Consumer complaint received 2021-07-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (TN)

On XX/XX/2021 I pulled my credit report and there was a debt collection agency by the name of Caine and Weiner asking for the amount of XXXX. I have never done any business with this company. I sent the company a letter dated XX/XX/2021 to ask them to valid or verify that this debt is mine. The company sent me a final bill from an insurance company with an amount owed of XXXX, The company did not verify with a signed contract, with a list of services that I was contracted with them. The company also did an hard inquiry with my authorization and inaccurate information is being reported on all three of my credit reports.
Consumer complaint received 2021-06-11
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. (TX)

Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-06-11
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 (MI)

1 ) I placed an order ( {XXXX} total ) on XXXX XXXX XXXX on XX/XX/XXXX in the night using my Bank of America credit card XXXX However, when I placed the order my browser was not showing things properly, when I double checked a few hours later I realized the items were final sales, so I contacted the customer service right away to cancel my order, on the same day, same night. 

2 ) The agent replied on XX/XX/XXXX, saying they will get back to me. But they never tried to cancel my order, instead they ignored everything. 

3 ) On XX/XX/XXXX, they shipped the order to my surprise. 

4 ) On XX/XX/XXXX I received the package but asked XXXX to return the package to sender, so the package was never opened and returned on the dame day. 

XXXX XXXX On XX/XX/XXXX, the order was delivered to the sender, signed by XXXX 6 ) I disputed the charge with Bank of America, however they didn't resolve the claim to my favor, instead they processed the payment to the seller.
Consumer complaint received 2022-02-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation (IN)

Please Help Me with this crucial situation, I have been paying on this loan since XXXX, I am a widow, and on Social Security, My Credit Report shows what., One Main Financial, has fraudulently been taking and taking $ $ $ from me! 6 years, I have. Pd. For 3 cars by now, I have not been able to get out, b/c, of the pandemic One Main in XXXX, IN., all last year harassing calls every day, when I made all payments, Adding new loans and inventing new ones, it shows on my credit report., example : on XX/XX/XXXX ( unsecured what, never pd {$89.00} for. No loan nor signed a document for this I have pd and pd. I can not pay this no more, please help me, I go on line to look at all my statements and it does not show all payments that I have made?? Never refinanced with One Main, XXXX $ ever Month!! I have or will show if need to ALL PAYMENTS probably amounting to 25,000 or more!!!!