davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (TX)

A transfer of {$8000.00} was made from my XXXX XXXX XXXX account to XXXX : by XXXX XXXX account on XX/XX/2022. 

The XXXX : by XXXX XXXX account was locked on XX/XX/2022 without any justifiable reason provided. 

I have made several calls to XXXX : by XXXX XXXX to return the transferred funds of {$8000.00} and it is yet to be resolved.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (GA)

I HAVE A VICTORIA SECRET ACCOUNT THAT I DO NOT USE AND HAVE NEVER BEEN LATE ON IT. I RECENTLY HAD A 30 DAY LATE PAYMENT THAT REPORTED TO MY CREDIT TODAY. I WAS VERY TAKEN BACK AS I PAID THIS ACCOUNT OFF AND I DO NOT USE THIS CARD. I CALLED VS IMMEDIATELY AND THEY SAID THAT IT WAS DUE TO SOME TYPE OF INSURANCE ON MY ACCOUNT. THE REP CORRECTED THE ERROR AND BRAUGHT MY ACCOUNT BACK TO A ZERO BALANCE. HOWEVER I AM LEFT WITH A 30 DAY LATE ON MY CREDIT REPORT. AND I NEED THE LATE PAYMENT REMOVED AND THE STATUS UPDATED ON ALL 3 BURROUGHS. I AM IN THE PROCESSS OF PURCHASING A HOME. LITERALLY A FEW WEEKS OUT OF CLOSING AND MY WHOLE LOAN IS IN JEOPARDY FOR {$2.00}!
Consumer complaint received 2021-05-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (FL)

Last year I was contacted by a collections company for a presumed debt at a medical facility. I informed them that the debt was not me and they said they would investigate the situation. Instead of doing so the debt was sold to another collections company this year who has now reported me to my credit houses
Consumer complaint received 2021-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (NJ)

I have a XXXX account that was closed XX/XX/XXXX. XXXX closed only part of the account when I thought is was completely closed. We paid whatever was left finally XXXX XXXX, XXXX, but they did not close the account, because someone didn't do their job. Now XXXX gets bought out by XXXX XXXX and I can not contact them and get this resolve. No one will send me the non existent bills and only that XXXX has sold my debt to several collection agencies. I get mailed and called by AFNI, XXXX, and XXXX XXXX XXXX for this false debt. They have ruined my perfect credit and I just get more and more collection agencies writing, and calling me. Please let me know how I can stop this madness. I have spend 2 years trying to get this resolved and XXXX has also not investigated this when I have asked them to. 
Let me know what I can do to get them to stop harrassing me.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX I have requested to be opted out from this company reporting of my nonpublic personal information to any third-party nonaffiliates per 15 USC 6802 and the Privacy Act of 1974. Also per IRS publication, a charged-off is considered a certificate of indebtedness and has to be reported as income. Income can not be reported on my credit report.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX
Consumer complaint received 2022-03-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN EXPRESS COMPANY (GA)

XXXX XXXX XXXXXXXX sent me a letter on XX/XX/2021 about an alleged debt owed to American Express. I sent a cease and desist as well a debt validation letter with a green receipt that was received on XX/XX/2021. For the validation of the debt XXXX sent me statements and terms and conditions pages. They never provided me the address and name of the original creditor. They have since taken legal action against me and filed a lawsuit. This is a violation because a debt collector can not be an attorney.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX  NON-Suited any debt they thought i owed them. 
I REQUEST assistance with Creditor and ALL 3- REPORTING AGENCIES ... I want this collection DELETED off my report. 

CASE DISMISSED - XX/XX/2021. 
I DO NOT OWE XXXX. 

REQUEST= MAKE XXXX , XXXX AND EQUIFAX REMOVE THIS NEGATIVE COLLECTION OFF MY REPORT.
Consumer complaint received 2023-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

XXXX XXXX : XX/XX/23 USBank debited my checking account {$5000.00} without my approval. 

XX/XX/23 USBank again debited my checking account another {$5000.00} without my approval. 

STEPS TAKEN TO RESOLVE : XX/XX/23 Contacted USBank via phone. USBank said they would investigate. I was told that it will take until XX/XX/23 for the claim to process, and they would get back to me, or that I should call back again after that. Agent indicated that she had put a block on my account for the amount of {$5000.00} so to preclude another unauthorized debit. I seems she recognized that there was a problem. 

XXXX XXXX XXXX with branch manager and explained the situation. She made a long call to accounting then said to wait a few days for the outcome. 

XX/XX/23 Followed up by phone. No resolution. 

XX/XX/23 Met with branch manager again, after ANOTHER {$5000.00} was debited from my account. She assured me that they would be able to get an accounting of the missing {$10000.00} one way or another. More phone calls to accounting. 

XX/XX/23 Branch manager called and gave me a claim number. Said I should wait XXXX days then they would get back to me, or that I could call them. 

XX/XX/23 After once again not hearing anything from USBank, I called in. The agent said that there was no indication that anything had been done to resolve this issue. She conferred with her supervisor and they tried to get ahold of their adjusters but couldn't make contact. So she sent them an email, and told me to wait another XXXX days, and that they would contact me. Or that I could call them. 

XX/XX/23 No word from USBank. Never received a callback, even though I was told several times to expect one. Spent hours on the phone with their accounting department, every time having to re-explain the problem. I don't think that there is a path to resolution open to me through USBank. 

XX/XX/23 Opening incident with CFPB.
Consumer complaint received 2022-01-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I authorize a transaction for {$31.00} to be transferred from my bank account and I charged {$300.00} instead. I disputed this transaction with my bank wills Fargo but they didnt resolve the issue.
Consumer complaint received 2021-05-11
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PACIFIC FORESIGHT FINANCIAL CORPORATION (IL)

I submitted my financial documents to a lender approximately 10 days ago. The lender has not communicated with me, yet he has my personal information. The lender 's name is XXXX XXXX, Vice President. The company is Pacific Foresight Financial Corporation. 
NMLS # XXXX, DRE # XXXX. I find this to not only be unprofessional, but unethical in obtaining financial information such as my social security number, but also other personal information.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX NON-Suited any debt they thought i owed them. 
I REQUEST assistance with Creditor and ALL 3- REPORTING AGENCIES ... I want this collection DELETED off my report. 

CASE DISMISSED - XX/XX/2021. 
I DO NOT OWE XXXX. 

REQUEST= MAKE EXPERIAN XXXX XXXX AND XXXX REMOVE THIS NEGATIVE COLLECTION OFF MY REPORT.
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (IN)

XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021 I submitted an application for the Apple Credit Card with Goldman Sachs and they continue to give a credit denial reason of me recently experiencing a charge off. I have not recently experienced a charge off and XXXX has verified that with me. XXXX has also shared that they will be submitting information to them about my application for reconsideration I assume. The most recent application from XX/XX/2021 they attempted to set me up with a program with them and it requires other stipulations before being approved but I refuse their program because I should not have to complete any program. The application from XX/XX/2021 should have been the first application approved. The denial reason of all applications came from XXXX. But as stated the denial reason is not valid. They complete soft inquiries on consumer credit reports for there credit card product of the Apple Credit Card. I contacting them about the application for the second time and after speaking with XXXX XX/XX/2021 they have confirmed that there is no recently charge offs being reported.
Consumer complaint received 2022-12-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NY)

I initiated a transfer from my Venmo account to my debit card on XXXX  using their XXXXXXXX XXXX instant transfer. XXXX XXXX XXXX XXXX the money has yet to arrive. I have called XXXX where my debit card is and XXXX tells me it is XXXX XXXX Venmos problem and the money has not ever arrived to XXXX. Venmo tells me it is XXXX XXXX XXXX problem as they have sent the money. Venmo tells me it will take them a XXXX to investigate. In the meanwhile, I suffer, tremendous financial consequences for not being able to pay my bills on time and putting my company on the verge of bankruptcy.
Consumer complaint received 2019-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently went to test drive a new car at XXXX XXXX. After a week of careful consideration I decided to apply for a loan for this car. Moments later I was approved for an extremely high interest rate and that was unusual. Which prompted me to check my credit report. After doing so I noticed a couple of items on my report that are not mine. These items need to be deleted from my credit report. I'm working on this and doing this on my own behalf and I need this taking care of a as soon as possible.
Consumer complaint received 2022-01-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

After being in the XXXX for 3 months and getting out explaining the situation with the company they still illegally repossessed my vehicle. I told them about the laws that our state had in place to protect XXXX victims and they still proceeded to repossess the vehicle. They also reported false information and a false address on my credit they never notified me of anything pertaining to the vehicle until after they took it and all my things. All my personal belongings is in the vehicle. I paid {$2500.00} pre payment to allow me some time since I was having a XXXX not knowing I was going to stay longer due to XXXX. Everything that they were saying about this company in the lawsuits are correct they changed my vehicle price and loan information to be feasible to them. The money orders my XXXX and identification is in the car along with other valuable things. Still to this day I have not received notification that they have my vehicle. In Georgia they must notify customers within 10 days via certified mail for repossession and I was not even supposed to be repossessed. Horrible customer that tries to get over on everyone. Their business is about to go down forever for the wrongful business they have been conducting. A
Consumer complaint received 2022-01-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LAKEVIEW LOAN SERVICING, LLC (VA)

On XX/XX/21 Lake View Loan Serving LLC responded to my previous complaint saying that they hold my master servicing rights to my mortgage credit transaction. Ive NEVER gave them consent to contact me or have my information. This is identity theft and they are trying to collect on a alleged debt not owed to them. I have requested them to provide me with the original contract with my Wet Signature on it and have not yet received a response. Its been 30 days now I have to take legal actions.

15usc1692g 15usc1681b 18usc1028A
Consumer complaint received 2022-01-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation (FL)

I've received multiple calls from Penn Credit Corp about a debt collection. When I asked where the collection was from they refused to tell me because I " gave them the wrong address '', I live in XXXX XXXX Florida but the address the debt collector gave to was in XXXX Florida. As I previously stated I've received multiple calls from Penn credit harassing me at early in the morning and also while I am at work. I am XXXX  months pregnant this harassment has caused me a considerable amount of stress, especially when I am unaware the debt they are calling to collect with no clarifications as to whom their collecting on behalf of.
Consumer complaint received 2023-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (MD)

1.I returned a product that I'd purchased on XXXX back to XXXX via XXXX. 
2. XXXX never refunded me the money back after they received the product. 
3. I disputed the amount to my bank. 
4. My bank investigated and found XXXX not in compliance. 
5. My bank refunded the {$52.00} back to me. 
6. XXXX sent that amount of {$52.00} to a debt collector, TRS Recovery Services , Inc . 
XXXX. Debt collector, TRS, demanded payment on XXXX, reference # XXXX. 
8. Debt collector, TRS, XXXX, does not answer their phone. 
9. I sent the {$52.00} to the debt collector by error. 
10. The debt collector refuses to return those funds. 
11. XXXX refuses to return those funds. 
12. I reported XXXX to the Attorney General. 
13. There's an open case involving XXXX via Attorney General. 
14. I reported the debt collector, TRS, to the Atty General 15. There's an open case involving TRS via the Atty General.
Consumer complaint received 2024-02-14
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: Experian Information Solutions Inc. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Equifax and CFPB, I was a victim of identity theft and there's unauthorized hard credit inquiries that need to be removed immediately- please see below and attached. 

The unauthorized hard credit inquiries are - XXXX XXXXXXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX Please see attached for my drivers license, social security card, address, and FTC complaint By law these need to be removed within 4 days and expect them to be. 

Your inability to remove these has greatly damaged my credit and its unacceptable.
Consumer complaint received 2021-05-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IN)

Several years ago I purchase a single bitcoin for approximately {$450.00}. Now it is worth roughly {$58000.00}. My wife and I are ready to purchase a new home and wanted to use this money for the downpayment. I logged in to my Coinbase account, and when I try to sell or transfer the funds to my normal bank, I'm given the message, " Account Restricted. You are currently unable to buy and sell crypto on Coinbase. Please visit https : //support.coinbase.com for assistance. '' However there are 2 problems here. First, if you follow that URL, there is no information on remedying the situation. Second, there is no phone number or way to contact a human being to fix the situation.

I filed several support requests using their contact form, and thus far nothing has happened. If you look into this situation there hundreds, possibly thousands of complaints just like this.

Because of their slow response, my account value has already dropped by several thousand dollars in just 1 day. Since I can not access my funds, I will most likely lose the house we wanted to buy. Therefore this situation is costing me more than the lost value of the account, but potentially tens or hundreds of thousands of dollars in lost real-estate opportunity. 

This is honestly the worst customer service situation I've ever been involved with. If a brokerage firm refused to have a phone number and would not allow you to sell off a stock to retain your profits, the stock exchange and perhaps the US Government would be involved immediately. 

I need help and I need it ASAP. 

Thank you, XXXX XXXX
Consumer complaint received 2022-12-16
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. (SC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-21
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (GA)

On XXXX XXXX, XXXX, I closed on my home. Since that date, my mortgage has been sold many times. As a result, I have had a number of servicers. My payments have never been late. XX/XX/XXXX, I entered into a Forbearance Plan due to hardship initiated by the pandemic. Just prior to entering into the Plan, I was advised that I had a new servicer. I was advised that no adverse information would be reported to the credit bureaus while in forbearance status. Prior to the end of the forbearance period, I was advised of ( 4 ) options to keep my status in good standing. I opted to exercise the option of a loan modification. The loan modification closed in XX/XX/XXXX. The following month, I was advised by my credit monitoring company, XXXX XXXX XXXX, that Shellpoint Mortgage Servicing had reported adverse information to XXXX, XXXX, and XXXX. Shellpoint Mortgage Servicing reported that I was delinquent in payments. I immediately contacted XXXX and was told that technically I was delinquent because I had not made payment ( s ) during the forbearance period. I tried to explain to no avail that by definition forbearance means that payments will not be made during such period. The XXXX representatives would give conflicting, inconsistent information from call to call. Some representatives would indicate that the reporting was in error after confirming that their records reflect that payments resumed in a timely manner following forbearance. I was told that they would submit my concern for review. Ultimately, I was told that I did not maintain good standing since payments were not made while in the Forbearance Plan. The matter was escalated to their Loss Mitigation Department. The issue was passed around throughout their operation, while my typically high credit score ( s ) plummeted severely. In addition to attempting to address this error in credit bureau reporting, I made a lump sum escrow shortage payment of {$510.00} on XXXX XXXX, XXXX. Subsequently, I learned that Shellpoint applied this payment as a regular monthly installment. I was told that making such escrow payment would not reverse the delinquent report to the credit bureaus. I was aware that these are separate matters. Overall, the servicing provided by Shellpoint has been problematic since inception. I have never experienced such issues with any of the many servicers that I have had since initially closing on this mortgage 25 years ago.
Consumer complaint received 2022-12-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (OH)

I am requesting that you validate the information on my report with all original documents including payment history and original contracts. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be validated.