davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Credit 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 (VA)

I was visiting a friend in New York. We stopped by a corner store we have both been too before. I purchased XXXX energy drinks. A small child rang me up I believe under the age of XXXX and they accidentally charged me {$6200.00} on XX/XX/23. By the time I realized there was an error I was back home at XXXX. I have had previous incorrect charges before and there were resolved without issue. However, this transaction i've had to submit a dispute for XXXX times now. The credit card company ( Apple Card, Goldman Sachs ) continues to state there is no issue with this transaction even given the evidence of correspondence with the merchant stating they will rectify the charge. I have an agent from XXXX supporting this case and has everything documented and all those documents were provided with the dispute. Each dispute is closed without any notice and they take several months to hear back from. Based on how long the credit card company has taken with each dispute the merchant is unable to provide any additional receipts or camera footage. I am deeply concerned about this dispute. I have never made a transition this large before and there were no security checks for this transaction. I use this credit card every day and pay off my bill every month without issue. It is appearing that the bank is uninterested in supporting this dispute. I am left with no other options besides resubmitting disputes but how long can that continue? My last resort is to sue the small business and the credit card company for financial negligence. I am also afraid the credit card company is attempting to scam me out of the exuberant cost of the incorrect charge.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

remove fraudulent / unauthorized inquiry from XXXX  XXXX XXXX on XX/XX/2022 off XXXX report or provide proof in writing within 30 days
Consumer complaint received 2021-04-19
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: General Motors Financial Company, Inc. (TX)

I had fraudulent activity that took place on my XXXX XXXX checking account. There was an error with the payment that should have been debited on my account onXX/XX/2020, instead GM Financial processed onXX/XX/2020. I contacted GM Financial and informed them there was fraud on my checking account and that transaction needed to be reversed as my account was under investigation. I was informed that there was nothing they could do. Because the bank account option was removed from my online payment methods of choice, I was unable to set up an automatic payment forXX/XX/2020/ This has caused a late payment to affect my credit report. XXXX XXXX provided documentation stating this was not my fault and that GM Financial should remove the late payment. After reaching out to GM Financial, I was informed that the 1 late payment history could not be removed.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is information on my consumer report that is a result of identity theft. I did it provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. These transactions are not related to any of the previous transactions by me the consumer. 
Account name XXXX Date of INQUIRY XXXX Actions taken- identify theft report filed, multiple disputes filed with both lender and credit bureaus. I am requesting under the law that this account be removed and blocked from my consumer report four business days from the reception of this letter
Consumer complaint received 2022-12-14
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 — Their investigation did not fix an error on your report
Company: Capio Partners, LLC (LA)

I did not give consent to share my personal information with these creditors. This is a violation of the HIPPA law as well as my privacy there were no proof of method of verification and there were no proof of how the debt was validated.
Consumer complaint received 2023-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (CA)

XXXX  mortgage statement with amount due that was different from the original loan amount due. Called the mortgage company concerning the different amount. Transfered to a loan consultant only to be placed on hold after waiting for XXXX from the first time this happened after each inquiry following the monthly billing cycle.
Consumer complaint received 2018-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (MT)

In XX/XX/XXXX, I left for a trip to XXXX. Prior to leaving, I called XXXX and asked that my service be temporarily suspended until I returned. This was agreed to, that my service would be suspended and that I would not be charged. I returned in XX/XX/XXXX and called XXXX to restart service. I also received bills from them in the meantime. Both on the phone and through the bills, I verified that I had a {$0.00} balance. I requested to restart my service and it was. 

The next bill I received was very high. I was charged for the time I was gone, for breaking my contract, and a service fee to restart service. I called to dispute this and through a series of phone calls, it was agreed by more than one representative that I was in the right. But the charges were never taken off the account. I called repeatedly and each time I was told that this would be fixed and each time it was not. As a last resort, I wrote on the XXXX community forums what had happened. I was contacted by a XXXX representative and told this this would be fixed but it never was. So I stopped using XXXX and moved on to a different service provider.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2017 I used my credit card for a friend that lives out of the country to pay a some type of fees on his timeshare account with XXXX XXXX XXXX XXXX XXXX XXXX ; Because his credit/debit card was declined due to his banking security issues and he was not able to use his own credit/debit card at that time, so I used my card for the transaction. That was the ( ONLY TRANSACTION ) I allowed to be made on my credit card and never signed any contract with XXXX XXXX XXXX XXXX. ; After a couple of months I was traveling in XXXX and tried to use my card for a small purchase and the transaction was denied, I figured that the transaction was declined because I was out of the country at that time. Once I arrived back to the United States I contacted my bank and logged in to my online account only to find out that there were several large amount charges from XXXX XXXX XXXX / XXXX on my credit cards, so I contacted my credit card companies and let them know that the transactions were not authorized by me, so they place a claim for the transactions. Everything seems to be fixed for a while but after a couple of months the charges were reversed back to my account and the bank issued me a letter stating that XXXX XXXX XXXX XXXX. XXXX. ; provided them with my authorization for the transactions when I did not. XXXX XXXX XXXX XXXX. XXXX. negligently and knowingly charged my cards without my authorization for their member/stockholder account because their member/stockholder credit/debit card would not go through for the transactions, so they charged my cards over and over. Without my authorization XXXX XXXX XXXX XXXX. XXXX. saved my card information on their system without notifying either myself or their member/stockholder. 

After and while looking up the company online I found similar situations, they are money hungry and their agents try and do anything to get money in no matter what even it it is to break law in every aspect. 

Now, I owe my credit card companies {XXXX} not counting interests and my credit card companies only tells me to go to the police and nothing is resolved. 

Now the only choice I have is to file a law suit in Federal Court to recover the moneys they charged me because I can never pay this amount. 

This also have impacted dramatically my credit scores making it impossible for me to get a loan due to extremely high interest charges. Even more, myself and my partner have almost all of our accounts jointly and his credit has also been affected dramatically.
Consumer complaint received 2019-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Spoke to XXXX on XX/XX/29 regarding the application of my payment to 0 % promo. She is in process of fixing the issue, but it is a very strange situation and I believe the information provided was inaccurate. My payment was not applied to my 0 % promo and she said it was because of the date I started the 0 % promo. I asked where it said that and she said I agreed to it in the terms of my agreement. I asked her where that was in agreement and she said she didn't know. I asked for the terms to be sent. I found a terms copy in my messages and I could not locate where it says that the payments are applied based on the time you set up the promo not the expiration date. It also does not say this on any of the statements. I asked her to provide the start dates. however, the point is, that is not clearly shown anywhere that that is the terms and it does not say that on the part when I signed up for it. 

So the process they are making me follow is to get a refund of my payment and then pay the payment again now that the 0 % promo has expired. I am supposed to have that refund this week. However, I would like to point out that while they did give credit for the interest already charged on this, I am expecting that I will have to fight yet another interest charge because of this procedure. 

I think that if this is their method of doing this, it should be clearly explained in the promotion and in the terms. Again I could not find it anywhere. This is just plain sneaky and none of my other cards have employed this practice. It makes no sense that they couldn't just reapply the payment and I have to go through this refund/repay issue. I only wonder how many other people have been caught by this trickery.
Consumer complaint received 2019-09-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery calls me multiple times a day, every day, for the past 3 years. Always calls from a different number. I have blocked at least 20 numbers they have called me from and they continue to call every single day from a different phone number.
Consumer complaint received 2019-10-22
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: EQUIFAX, INC. (CA)

Equifax states it uses XXXX as a third party vendor. My XXXX report has been on freeze for a long time and Equifax is not able to Verify a bankruptcy from them. Equifax state clearly on my reinvestigation that they verified my second request with XXXX. This is completely untrue and they must Delete the Bankruptcy. I had the same issue with XXXX and they simply deleted the Bankruptcy. I also have a letter from the court house stating that no information is ever shared with Third party Vendors. Equifax is lying that the investigation was ever done and they must delete this from my credit report.
Consumer complaint received 2022-12-14
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: CITIBANK, N.A. (NV)

I never received items I purchased online. Merchant is unresponsive, order has never been shipped out. 

I placed an order on XXXX on XX/XX/2022 for XXXX XXXX XXXX  for a total of {$64.00}. After not receiving an order confirmation emailed, I emailed the merchant on their support email provided on their website. I got an automated unable to deliver email because the email they provided was fake. 

I waited and opened a dispute with my credit card company, Citi, on XX/XX/2022. On XX/XX/2022, the merchant replied to the credit card company with ONLY a receipt of my payment. They have never provided proof of shipment or delivery of the items I purchased. Even with this evidence, the credit card company, Citi, has sided with the merchant and closed my dispute. 

I have provided them with evidence I never received my items, the merchant provided a fake email address, the merchant never shipped out the goods, and my order is only showing as " processing '' on this day, XX/XX/2022. 

After some internet investigation, I have found this website to be FAKE! Many people have been scammed in the same fashion as me. They placed an order, made the payment, and never received the goods. This merchant website is XXXX but they operate under names such as " XXXX  '' and " XXXX XXXX. I have also provided evidence of this website engaging in scams in pictures I have attached. It is a link : XXXX XXXX XXXX  and the comments below the post is where everyone has been scammed like me. 

It is not fair that I found this website on XXXX, made a purchase, never received the goods, to dispute it with the Credit card company and they sided with the merchant even though the merchant had no evidence of shipment.
Consumer complaint received 2019-07-02
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)

I have reported to Equifax credit reporting agency that the below listed inquiry was olaced on my report as unauthorized and considered fraud. Equifax has failed to investigate this matter for proper removal of this inquiry. I am a victim of identity theft and therefore, this item needs to be investigated appropriately. 

Inquiry : XXXX XXXX/ XXXX, onXX/XX/2019 is Unauthorized and considered Fraud
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I send Experian information required to the acquired credit card. After follow up with the credit card company, I found out there is a bankruptcy record on my credit report. I need this clear up. 
XXXX XXXX
Consumer complaint received 2019-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2018 I made the following transaction : XXXX IAT XXXX XXXX WEB ID : XXXX debit {$100.00}. I did not receive the merchandise. I attempted to resolve with Merchant and was unable to do so. I contacted financial institution Chase and they refused to dispute because the transaction was not fraudulent.
Consumer complaint received 2019-07-02
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: Experian Information Solutions Inc. (TX)

Experian and XXXX are reporting incorrectly a collection on the XXXX XXXX XXXX COMPANY partial account number XXXX in the amount of {$490.00}. ( Please see pages 11 and 12 of the attached credit report. ) I am in the military and received orders to move to North Carolina. I cancelled this service prior to  my departure. The service was not cancelled correctly on XXXX & XXXX end and my roommates who presided in the residence after my department failed to pay this bill. This account does not belong to me and this incorrect reporting is harming my credit score. Please remove these items from my credit report.
Consumer complaint received 2019-07-05
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. (FL)

Equifax on XX/XX/2019 I receive a letter from XXXX that they would request your BUREAU to remove three unauthorized inquiries made from XXXX and XXXX, it would take 4-6 weeks to reflect change on my credit file, it's been pass 6weeks, I have attach the letter receive by XXXX.
Consumer complaint received 2019-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

In XX/XX/XXXX, Discover request to make a verification and they required my driver 's license. But at that time I don't have a driver 's license. Therefore, I told them I can provide my passport, EAD card and other files that can prove my identity, yet they said they only accept driver 's license. It's weird because they didn't ask for it when I applied the card at the first time. I told them I won't be able to provide my driver 's license and even if I make an appointment at DMV to take the driving test, it will take several months to get the license. Then they just closed my account.
Consumer complaint received 2019-07-02
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. (NY)

XXXX CONSUMER USA ACCOUNT IS LISTED AS CLOSED ACCOUNT STATUS AND COLLECTIONS CHARGE OFF IN MY CREDIT REPORT, FOR THE PAST 2 MONTHS I AM REACHING OUT TO THEM, TO CHANGE THE ACCOUNT STATUS AS CURRENT, AND I HAVE BEEN IGNORING TO CHANGE THE INFORMATION, ITS VERY FRUSTRATING FOR ME, XXXX IS NOT FOLLOWING THE FCRA GUIDELINE., XXXXSTATED The FTC enforces the rule, and has guidance about your responsibilities to furnish information that's accurate and complete, and to investigate consumer disputes about the accuracy of information you provide.
Consumer complaint received 2019-07-02
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. (NY)

XXXX XXXX XXXX ACCOUNT IS LISTED AS CLOSED ACCOUNT STATUS AND COLLECTIONS CHARGE OFF IN MY CREDIT REPORT, FOR THE PAST 2 MONTHS I AM REACHING OUT TO THEM, TO CHANGE THE ACCOUNT STATUS AS CURRENT, AND I HAVE BEEN IGNORING TO CHANGE THE INFORMATION, ITS VERY FRUSTRATING FOR ME, XXXX IS NOT FOLLOWING THE FCRA GUIDELINE., XXXXSTATED The FTC enforces the rule, and has guidance about your responsibilities to furnish information that's accurate and complete, and to investigate consumer disputes about the accuracy of information you provide.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX ACCOUNT IS LISTED AS CLOSED ACCOUNT STATUS AND COLLECTIONS CHARGE OFF IN MY CREDIT REPORT, FOR THE PAST 2 MONTHS I AM REACHING OUT TO THEM, TO CHANGE THE ACCOUNT STATUS AS CURRENT, AND I HAVE BEEN IGNORING TO CHANGE THE INFORMATION, ITS VERY FRUSTRATING FOR ME, XXXX IS NOT FOLLOWING THE FCRA GUIDELINE., 'STATED The FTC enforces the rule, and has guidance about your responsibilities to furnish information that's accurate and complete, and to investigate consumer disputes about the accuracy of information you provide.
Consumer complaint received 2019-07-05
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: Experian Information Solutions Inc. (CT)

I wrote the three bureaus after viewing my credit report. I saw some accounts that were CLOSED AND PAID IN FULL reporting on my credit report as Failed to Pay/ Late Payments. After writing to them and asking that they delete the late payments/ Failed to Pay because account was closed and Paid In Full I still see these negatives reporting on my Credit Report and these negatives are causing my credit scores to go down and hindering me from moving forward with my plans to improve my credit. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2019-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (CA)

on or about XX/XX/XXXX I received a letter from CBE group indicating that I owe {$15000.00} to the current creditor listed as XXXX XXXX. ( original creditor XXXX XXXX XXXX ) debt was incurred between the years of XXXX and XXXX. 
original account number : XXXX CS number : XXXX the letter states that unless I dispute all or part of the amount the creditor will assume the debt to be valid. the letter also states that upon written request the office will provide verification of the debt or forward a copy of judgement. 
on or aboutXX/XX/XXXX I contacted CBE group and spoke to a CSR before requesting to be transferred to a supervisor. I informed a Mr. XXXX XXXX that I would be requesting written verrification as outlined in the letter AND filing complaints with all appropriate organizations. 
on or aboutXX/XX/XXXX I submitted a request for written verification. 
on or about XX/XX/XXXX I called CBE Group to request status. I was informed that the case was returned to XXXX XXXX and no futher action would be taken CONTRARY TO STATEMENTS in the letter received on XX/XX/XXXX. I was referred to XXXX XXXX 
XX/XX/XXXX I spoke to XXXX XXXX re : the above and was referred to CBE Group. 
XX/XX/XXXX ANOTHER call to CBE Group and I am informed that the case was returned to XXXX XXXX. 
as of XX/XX/XXXX I have received nothing further. 
I was never a customer of XXXX XXXX XXXX until XXXX purchased XXXX  XXXX. I am still a XXXX customer and there are no outstanding issues with my account. 
a search of the XXXX XXXX XXXX files for XXXX XXXX indicates that this scam has been perpetrated on others.