davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (TX)

I purchased a wig as advertised on the website on XX/XX/23. The website stated the wig would ship within 21 business days. On. XX/XX/23 I requested a refund due to the wig not shipping when promised. On XX/XX/23 a shipping label was created. On XX/XX/23 the wig was dropped off at the post office to ship to me after my request for a refund was ignored. On. XX/XX/23 I received a damaged wig. I immediately contacted XXXX XXXX via email and was ignored until XX/XX/23. A return shipping label was emailed to me. I placed the wig in the mail to be returned to XXXX. XXXX has confirmed the wig to be damaged and has confirmed that the wig has been delivered and is refusing to provide a refund. I initially disputed with apple and they closed the dispute advising that the money was refunded. After discovering that the funds were in fact not refunded they reopened the dispute. Forced me to wait 90 days only to close the dispute again saying the merchant did not provide a damaged item. 

I provided them pictures of the damaged item. Proof that the item was returned to the merchant and proof that the merchant received the item and has refused to refund me. Apple/Goldman SACHS allegedly investigated but the merchant has not shown proof that I was provided with a refund after receiving the item back into their possession. 

This experience has been THE WORST experience I have ever had with a bank and once this is resolved I will be closing this account for good. Unfortunately, I do not have {$600.00} to throw away because apple and Goldman Sachs does not want to do their job and due diligence.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

Discover closed my account on XX/XX/2018 due to doing a random credit pull that I did not authorize. This situation is disappointing to me because I was in good standing with this bank. Whats even more disappointing was they didnt even provide me with prior notice that they were closing my account.
Consumer complaint received 2024-03-07
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. (NC)

I reviewed a copy of my credit report and I noticed there were some fraudulent inquiries listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. I am requesting for these following inquiries to be removed from my credit report : FRAUDULENT INQUIRIES Inquiry Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX NA INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX INquiry Date : XX/XX/XXXX XXXX
Consumer complaint received 2024-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I reviewed a copy of my credit report and I noticed there were some fraudulent inquiries listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. I am requesting for these following inquiries to be removed from my credit report : FRAUDULENT INQUIRIES Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX INquiry Date : XX/XX/XXXX XXXX
Consumer complaint received 2023-06-28
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I ordered a my XXXX report and noticed a unauthorized hard inquiry from Capital One on XX/XX/. Prior to applying for a credit card with Capital One, I called and spoke to a representative. I was informed that a soft inquiry would be ran. I explained that I wanted to verify before applying because I don't want any hard inquires ran. I was reassured that it would not be hard. I was shocked when I viewed my XXXX report to see that it was a hard inquiry
Consumer complaint received 2022-01-23
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: EQUIFAX, INC. (MD)

On ( XX/XX/2021 ), I wrote a letter informing the bureaus of inaccurate information on my credit report. Now to date over 30 days later I still have not heard back from them and feel like I am being taken advantage of. It clearly states in Section 611 ( a ) that after 30 days any items on my report not verified must be removed indefinitely. They have failed to do so. I demand that these items are removed immediately, if this matter is not handled I will be forced to push this matter into litigation due to the trouble I am having with this situation. My information was also impacted by the equifax data breach a while back so my information could be in the wrong persons hands.
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

So, please look at my credit report. I have never been late with any payments. I have never been in bankruptcy or anything else. I pay my revolving debt in full each month. I am ahead on my mortgages. I have 2 zero % credit cards that I am utilizing ( which I would consider a good cash management practice ). I maintain several bank accounts with averaging $ XXXX per month. These are liquid accounts at regional banks, does not include retirement assets or anything. So would you please tell me why my credit dropped upwards of XXXX points in one fell swoop? From XXXX to XXXX? 
Further there is no mechanism to question the scoring models, or agency or person or company. Thats a bit of problem.
Consumer complaint received 2024-01-01
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023 I filed a claim with Bank of America for charges unauthorized on my XXXX card. They informed me I would have to file 4 separate claims which we did. 1.Claim Number : XXXX {$7000.00} 2.Claim Number : XXXX {$130.00} 3.Claim Number : XXXX {$2000.00} 4.Claim Number : XXXX {$13000.00} Claim listed as ( 1 & 2 ) was approved and the rest was reconsidered. Then ( 3 ) was approved after 20days and ( 4 ) was denied and reconsidered again. Ive submitted a Police Report with XXXX PD for the ( 4 ) because BOA said it would help with the claim. They continue to deny the claim which I do not understand. The claims were filed the same day for the same reason and should all have the same result. Ive filed a complaint with the bank and appealed the decision 2 maybe 3 times. Spoke to supervisor who left notation that the claim needs to be treated as the same for all claims since they were all submitted same day with same cause. Ive submitted documents to support my claim and police report along with copy of my Drivers License. 3 claims have been resolved but the 4th which is the largest is being rejected. This doesnt seem fair. These disputes were for unauthorized charges and they should have all be treated equally. Please help with issue.
Consumer complaint received 2023-03-08
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. (WI)

I AM A VICTIM OF IDENITY THEFT, AND I DID NOT AUTHORIZE THOSE CHARGES 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 2019-01-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (FL)

I received an email from cashnetusa regarding a payday loan that I was supposedly approved for on XX/XX/2019. I never applied for this loan nor did I approve any money to be sent to my checking account. The {$250.00} was deposited into my account on XX/XX/XXXX - again, I never requested nor approved any such transaction. 

I emailed the company on XX/XX/XXXX stating that this was a fraudulent and unapproved activity and they told me I had to file a police report before they could do anything. I did not file a report with the police as that does not seem like the right Avenue to take.
Consumer complaint received 2023-03-08
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. (MS)

On XX/XX/2023 I call Transunion to report that I was alerted that my information was located on the " Dark Web. '' I checked my credit reports and found several unauthorized inquiries on all three Credit reporting agencies. I was able to dispute them with both XXXX and XXXX, however, Transunion stated that I had to go this route.
Consumer complaint received 2022-01-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MA)

I opened a venmo account under the id : XXXX back in XXXX ( XX/XX/XXXX ). After not using the account actively for 5 years, in XXXX I got my friend return my money I loaned her through venmo service. 2 days after that the customer service sent a note to me saying I have violated the service agreements and permanently closed my account without giving me any more reasons or details. This is bizarre and very unethical. I have asked them to reconsider my account situation or provide more details multiple times. I have not gotten any response from them at all.
Consumer complaint received 2022-01-23
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. (GA)

To CFPB. 

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 

List of accounts to be deleted : XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( l ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.
Consumer complaint received 2022-04-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Follow up on the Rushmore Loan Management Service Letter dated on XX/XX/2022 for the CFPB Case number XXXX. 

I, XXXX XXXX ( Current Owner ) have purchased the property of XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, through Public Auction, I dont have any acknowledge for the property or related to the original mortgagor. I have attempted to reach out to Rushmore multi-times throughout the year till today after received the payoff letter dated on XX/XX/2022, and it has been unsuccessful due to third-party privacy. During the conversations with their CS /management team, a few of the supervisors have been hang-up my phones for few times. Finally, I can be got the direct their Foreclosure Attorney contact number XXXX XXXX XXXX this afternoon. However, the line has been disconnected. 

Based on the Payoff total amount of {$200000.00} dated on XX/XX/2022. I am paying the Property Tax, Homeowner Insurance, HOA Fee, and there has no outstanding due payment. I request Rush Loan Management Services LLC to remove the unreasonable items of 1 ) Escrow Advance Balance and 2 ) Corporate Advance Balance, so my lender XXXX XXXX XXXX XXXX XXXX XXXX  can proceed the balance payment immediately. 

I requested the Rushmore to contact me anytime at XXXX XXXX XXXX. To avoid further delay in payment processing.
Consumer complaint received 2022-01-23
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. (GA)

To CFPB. 

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 

List of accounts to be deleted : DEPARTMENT OF EDUCATIONXXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( l ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2022-07-07
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. (CA)

I took out a loan on XXXX for {$15000.00} On XX/XX/2022 I was contacted by XXXX XXXX regarding a consolidation and refinance offering me a lower rate and payment on my EXISTING LOAN. 
I agreed. 
I asked if this was separate loan and they said NO THIS IS YOUR CURRENT LOAN. 
on XX/XX/2022 they deposited an additional $ XXXX into my account. I called in upset because as I suspected this was AN ADDITIONAL LOAN and they used PREDATORY TACTICS because I am a senior. 
I immediately asked that the loan be rescinded. They said I was still liable for the origination fees of {$790.00} ... and I refused to because I never authorized this loan. I only wanted a refinance of my existing loan. 
They finally agreed to remove it. But, to date it is still reporting on my credit. They provided a letter saying they remove it and they still have not. This is a huge hardship as I have been declined credit elsewhere due to their inaccurate reporting.
Consumer complaint received 2022-02-20
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION ()

On XX/XX/2022 my bank USAA for some reason sent {$1000.00} to XXXX XXXX without my knowledge or consent. I have both checking and saving with USAA and I have names for them. I accidentally put {$1000.00} in an account I thought was my saving account and when I went to check my balance I realize my Mistake and corrected it and I notify my bank to let them what happened. On XX/XX/XXXX I went to transfer money to my checking account I had a negative balance of {$300.00} and when I called my bank no one knew what had happened and they informed me that they would investigate, but no dispute was done for at least a week, then on XX/XX/XXXX I received a notice that the investigate was over and no action would be taken .No one from my bank ever contacted me about this and no one could tell me why my money was sent to another Bank that has been closed for nearly 10 years.
Consumer complaint received 2022-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (IA)

I received the following email in my spam folder on XX/XX/XXXX : From : " American Epress '' XXXX [ Add to Address Book ] To : " XXXX XXXX '' XXXX Subject : A recent charge attempt requires your attention Date : XX/XX/XXXX XXXX PM Your card has been blocked We've blocked your card to protect your security, we are writing to confirm some recent activity on your account. 



Here 's what you can do next : Go to amerlcanexpres.comXXXX have your card handy and submit the completed form to us to activate your card instantly.. 



American Express Customer Care Privacy Statement | Update Your Email Your account information is included above to help you recognize this as a customer care e-mail from American Express. To learn more about e-mail security or report a suspicious e-mail, please visit us at americanexpress.com/phishing. We kindly ask you not to reply to this e-mail but instead contact us via Customer Care. 



XXXX American Express. All rights reserved. 



XXXX I have not held an American Express card for XXXX years and it was a business card.
Consumer complaint received 2019-01-12
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. (KS)

Please be advised over the past 4 months I have filed 4 complaints and this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. PLEASE DELETE THE XXXX XXXX ACCOUNT OF {$310.00} FROM MY CREDIT FILE IMMEDIATELY.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Inaccurately reporting and processing payments. Also erroneously manipulation data on payments made towards the account. Capital one also abusing fraud tools by falsely flagging my account