davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (ID)

Marcus by Goldman Sachs took over the XXXX XXXX XXXX on XX/XX/2022. Many customers, myself included, still have no credit card and no statements. We keep getting told it's a few weeks out - it has almost been a month. It takes hours on hold to get through to their customer service. They do not list an address to mail in payments on their site not do they have a, that I have been able to find anyway to reach out to them except on XXXX. 

I am at least savvy enough to know how to get online and check my statement but what of all those with no internet access or that are not comfortable navigating their way around the web. 

Also at present we are FORCED to link our bank accounts to make a payment on their site. If they can't be trusted to get me my statements and my new card why should they be trusted with my bank information. 

This conversion has been bungled from the start with lack of response, lack of ways to contact to ask questions and lack of vital information namely our actually cards/account numbers and statements. Marcus seems unable or unwilling to do anything about it expect to continually tell us to wait a few more weeks.
Consumer complaint received 2023-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

To Whom It May Concern, On XX/XX/XXXX, I received a collections letter from Jefferson Capital with reference number XXXX. This letter claims a debt originating from XXXX XXXX XXXXXXXX account number XXXX, dated XX/XX/XXXX, in the amount of {XXXX}. I would like to state that I have no knowledge or record of this alleged debt. 

Furthermore, as per Section 16.004 of the Texas Civil Practice and Remedies Code, the statute of limitations on debt in Texas is four years. Considering this, the mentioned debt is well beyond the allowable timeframe for collection. 

I am unclear about the origin of this debt and why I am being contacted regarding this matter. Please provide a detailed validation of this debt, and if it's determined to be inaccurate, kindly ensure that all records related to this claim are corrected or removed. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Consumer complaint received 2022-03-19
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. (MD)

I have previously sent in a complaint and have not received the necessary results. The attachments provided include the necessary documentation to have these items removed from my consumer report. These items are preventing me from obtaining an advancement in job opportunities. Please remove immediately.
Consumer complaint received 2022-03-19
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. (MD)

I have previously sent in a complaint and have not received the necessary results. The attachments provided include the necessary documentation to have these items removed from my consumer report. These items are preventing me from obtaining an advancement in job opportunities. Please remove immediately.
Consumer complaint received 2019-07-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (CA)

To whom it may concern, I am submitting this letter to dispute one ( 1 ) in proper XXXX XXXX that is appearing on my credit report. On XX/XX/2014 09 XXXX XXXX XXXX are stating that I owe a previous balance XXXX. I do not have any knowledge of the debt that the company is demanding, I would like a full investigation of this matter. 

With all the information that I have provided to you, I ask that my complaint be conspired as a dispute or considered as fraudulent charges made against me.
Consumer complaint received 2017-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

Progressive account # XXXX I am writing to dispute this debt. XXXX XXXX XXXX XXXX XXXX keep calling me in reference to this debt even though I have wrote them a cease and decease letter and request validation ( a written contract bearing my signature to support their alleged debt. I have given them more than 30 days which is the required time by the FDCA. I have not heard back from them. I would like to request an investigation for I have never had any business relationship with this company or the company they represent. I know my rights and I will not hesitate to take all legal necessary steps to protect myself. i am recording all call from this company and keeping a record of all correspondence from them.
Consumer complaint received 2022-03-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc (TX)

Unable to open account with chime online. They kept telling I needed documents to open up account so I send copies of my ID my ss card and proof of address. I nvr got helped they kept telling me someone would remove the block n til this day my account is still blocked I nvr knew wut the problem was. Poor customer service. They could nvr help resolve the problem. Tried to resolve for about 2 months.
Consumer complaint received 2017-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I just read Wells Fargo 's response to my complaint ; you conveniently just closed it, without so much as a follow up response from me or any feedback. Please re-open this complaint against Wells Fargo. Their response was a rote, boiler plate response devoid of any personal touch, of humanity. They failed or ignored 95 % of what I documented in my complaint. Their non-response touched on the {$35.00} which I HAD REMOVED SUBSEQUENT TO MY COMPLAINT BECAUSE THE XXXX TEAM AT WELLS FARGO FINALLY RESPONDED. So Wells Fargo 's useless response regarding the {$35.00} was late and ineffective and inconsequential. As to them telling me they will not pay me interest of 1.30 %, I had to laugh, since that was mentioned to point out a FACT, not to request this fraudulent company to actually respond by paying me interest ; again that response was laughable and is WHY I DO NOT KEEP ANY RELEVANT MONEY WITH THIS UNETHICAL COMPANY. Sending me two PAGES or their hold policy was not requested, not needed, not warranted, not in any way, shape or form an adequate response from a human being. I would like a personalized response, from a human, not a boiler plate that adequately answers to every one of my many grievances with this company that shows they actually take the time to read the complaints filed on your platform. It seems the CFPB is complicit in their non-action and failure to review the responses to our complaints. How could you have closed this complaint and found it in any way satisfactory ; it was not! How can XXXX operate so differently from this very questionable company known as Wells Fargo???? That was not explained, touched on, responded to, acknowledged, or referred to. THIS IS AN INCOMPLETE RESPONSE AND A FULL RESPONSE IS EXPECTED.
Consumer complaint received 2015-09-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Financial shows on my credit report that I owe XXXX {$1300.00} as of XXXX/XXXX/12. Per the Federal Trade Commission Fair Debt Collection Practices Act Section 809 Validation of Debts that the Consumer should be notified within 30 days of any debt. I am unaware of this debt.
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (FL)

I am XXXX XXXX, consumer as the term is defined under the Equal Credit Opportunity Act and Fair Debt Collection Practices Act. I am filing this complaint for credit discrimination as aggrieved applicant against Barclays Bank Delaware ( " Barclays '' ) for deprivation of right to credit as creditor in accordance with the Truth in Lending Act. I am submitting this complaint without any third party. I extended my consumer credit as an asset to Barclays via good and valuable consideration of completed application form in exchange for consumer product XXXX XXXX XXXX offer accepted for open-end credit for consumer purposes only. I have been negative impacted unfairly in my personal family and household affairs as I could not obtain the credit device as financial aid to acquire consumer goods and services, due to adverse action letter dated XX/XX/ 2022, referenced as Application # XXXX allegedly due to few accounts or insufficient number of credit cards and based on unverifiable and uncertified rumors in bad faith 15 U.S. Code 1641 ( b ) - Liability of assignees. The disapproval is unfair, deceptive and discriminatory. This is a clear violation According to Title 12 CFR 202.9 ( 3 ) ( b ) ( 2 ) Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient and I as consumer request good faith reconsideration. 15 U.S. Code 1691b - Promulgation of regulations by the Bureau ( b ) Exempt transactions
Consumer complaint received 2022-03-19
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. (MD)

I have previously sent in a complaint and have not received the necessary results. The attachments provided include the necessary documentation to have these items removed from my consumer report. These items are preventing me from obtaining an advancement in job opportunities. Please remove immediately.
Consumer complaint received 2022-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (CA)

BARCLAYCARD XXXX XXXX Received a letter dated XX/XX/2022. The letter stated that I had not used my card with XXXX balance in some time. If I want to keep the account open, the card must be used periodically to remain in good standing. Thus, if I want it to remain open, I must use it within 30 days of notice, XX/XX/2022 or it will be closed. The credit line is XXXX, and the balance is XXXX. 

I am a XXXX  citizen with good credit history and I don't want to close the account that will reduce my credit availability. I have never heard of such a credit card request. 

Please advise me. 

Thank you in advance for your assistance.
Consumer complaint received 2022-03-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (PA)

In XX/XX/2022 I received three notices from TD Bank of new accounts opened in my name. I contacted TD Bank and advised them these were fraudulent. I was assured the accounts would be closed. 

On XX/XX/2022, I received letters that the accounts were overdrawn. I again called to make sure the accounts were closed and TD Bank assured me they would close the accounts. 

Today ( XX/XX/2022 ) I received another set of letters advising that the accounts were overdrawn. I refuse to call TD Bank AGAIN because it takes an inordinate amount of time to have them return my call and they apparently aren't doing anything to close the accounts. 

It is ridiculous how easy it is for fraudsters to open accounts and TD Bank is failing at their due diligence to ensure the accounts are legitimate.
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX  XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act, the convergent accounts listed below has violated my rights. 

XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX. Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A.

States I have the right to privacy 15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-03-19
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. (GA)

In the month of XXXX, I recently wrote a complain about all the credit bureaus explaining why XXXX XXXX XXXX XXXX is on my credit as a charge-off with a balance of XXXX dollars. I never received any validation, letters, or email from XXXX XXXX XXXX XXXX, after they took the car. The repossession wasn't peaceful, they was rude and we got into an altercation, and on top of that I didn't receive a presale or post sale letter. If this item can't be verified I need it deleted off my account., according to the FCRA Law Statement.
Consumer complaint received 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HYUNDAI CAPITAL AMERICA (CA)

I had been going through a difficult financial situation and had 3 late payments on my XXXX XXXX. A representative from XXXX called and made me the offer to make a payment in full for the entire balance on that day and the late payments would not show up on my credit report. It 's been months later and it 's still showing up on my XXXX, XXXX and XXXX  reports. I 'm in the process of moving and these negative marks can negatively influence my chances.
Consumer complaint received 2022-10-26
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. (MO)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is a formal complaint that the credit reporting agency. I sent several disputes dated XX/XX/2023, XX/XX/2023, and XX/XX/2023. But XXXX, XXXX, and Transunion have ignored my previous request and failed to maintain reasonable procedures in their operations to assure the maximum possible accuracy that states under 15 U.S.C. 1681e ( b ) in the credit reports they publish. 
Under 15 U.S. Code 1681i, XXXX, Transunion, and XXXX have 30 days to complete the investigation from the date they received my dispute and send responses. However, I never received a response nor investigated the inaccuracy on my credit report
Consumer complaint received 2022-10-26
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. (MS)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX and XXXX has violated my rights. 

15 U S C 1681 section 602A. States I have the right to privacy.

15 U S C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my written consent
Consumer complaint received 2022-03-19
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: Bread Financial Holdings, Inc. (TN)

Upon examination of my credit reports, I did observe an account ( XXXX XXXX XXXX XXXXXXXX ) listed thereon which I did not open nor was aware of. I have contacted the company on multiple occasions to have this matter resolved but they seem content as treating as my account; totally disregarding the issue at hand. I made it clear that I have been a victim of Identity Theft and also I was among the many who were involved in the XXXX credit breach a few years back. Notwithstanding the fact that I have ran in hard times in the past, I will never disown my debt but rather come to some sort of arrangements to resolve the issue. Here, I am faced with having to challenge a debt of which I am not aware and the creditor is refusing to rectify this matter. In light of this, I hereby request assistance from the CFPB to address this issue. I have disputed the matter and requested evidence but to date they have failed to supply any evidence linking me to this account other than it being listed on all of my consumer reports. Additionally, the company has blacklisted me for being a victim of identity theft.
Consumer complaint received 2022-03-20
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PRESTIGE FINANCIAL SERVICES INC (VA)

I purchased a vehicle in XXXX which was financed through Prestige Financial Services. My vehicle was charged off a few years back. I currently still have said vehicle in my possession and I have an agreement with Prestige where I am making WEEKLY payments to the company. Recently, I pulled my credit report and Prestige has my balance incorrect and shows $ XXXX  monthly payments. The last payment showing on my credit report to them was from XX/XX/XXXX which is incorrect. Prestige takes automatic payments from my account WEEKLY, and has been doing so for the last two years or so. I disputed these inconsistencies through the credit bureau as " incorrect balance '' and as not showing " pays as agreed ''. After being contacted by the bureau 's, Prestige has yet to report anything correctly which is holding my credit score down. They have only moved my balance by {$140.00}, when it should be way more than that. My weekly payments amount to $ XXXXmonthly. Not only do I have bank statements to show these deductions, I also have text messages from a XXXX XXXX will leave his last name out for protection ) detailing payment dates, amounts, and agreement that I had to approve. ***Documentation will be provided if needed***
Consumer complaint received 2022-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, and XXXX XXXX XXXX XXXX  account # XXXX has violated my rights.

15 U.S.C. 1681 Section 602 A States I have a right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 166 b States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2017-08-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (OH)

My {$25000.00} in student loans from XX/XX/XXXX-XX/XX/XXXX were consolidated with my XX/XX/XXXX-XX/XX/XXXX{$10000.00} loans by Great Lakes without informing me that I would be ineligible for XXXX  loan forgiveness in XX/XX/XXXX. At the time I was XXXX on a partial salary and struggling to make payments. My Great Lakes loan was then transferred to XXXX XXXX where I later applied for XXXX loan forgiveness only to be rejected. Now I ca n't get the bulk of my loans forgiven which now estimate at {$46000.00}!!