davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (NJ)

I closed my CD account at Marcus by Goldman Sachs. They issued me a check that never arrived. Tracking number provided was wrong, the USPS says that the mail under that number is made out to a different address. The bank refuses to give me my money back. They say it will take 90 days to reissue a check. I suspect fraud at the bank. I need my money urgently. What do I do? Who will reimburse me for the lost investment opportunity?
Consumer complaint received 2019-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (FL)

After realizing credit multiple cards were opened in my name and promotional checks had been forged ... I notified Citi of my identity theft and Forgery, ( {$2500.00} ) provided police report number as well ... 
I was sent a letter stating ; I was responsible because I made payments on disputed account ... ( payments were made in good faith ) as l was instructed to do by a representative of Citi, while account was under review, back in 2018 ... 

Please help with matter, Thank you ...
Consumer complaint received 2021-07-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CARS Acquisition, LLC (TX)

I was lied to when I purchased a car. On the website it clearly states in house finance and no credit check. The Salesman at XXXX XXXX XXXX some me a car checked my credit and also never informed me that he would sell my loan to a throes party company. As I signed documents for the vehicle he didnt go over each page with me letting me know what I was signing. He also added my spouse to the purchase of the vehicle without her consent. About six months into making payments I was informed that I had a new finance company.
Consumer complaint received 2019-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As of XX/XX/2019 my credit was dropped from both XXXX  and Transunion from XXXX to XXXX. The reason they gave was an outstanding balnce of {$400.00} with XXXX. That balnce was XXXX out on XX/XX/2019. It was a short term loan of less than 2 weeks. My score should not be taken a ten point drop because of this.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

Discovering late payments on my account is entirely unjust, particularly when considering my consistent history of timely payments. I insist on the immediate correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account truthfully reflects my history of on-time payments.
Consumer complaint received 2017-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Genesis Credit Management, LLC (OR)

XX/XX/XXXX sent written dispute to XXXX to dispute charges for {$15000.00}. of unknown dept. XXXX  created file # XXXX and it says they are working on it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Filed to XXXX by Genesis Credit,  LLC opened XX/XX/XXXX. 
Not sure how to reach them or what this debt is, but I know I do not owe anybody $ XXXX Then there is a charge for {$990.00} on XXXX also filed as a collection account opened on XX/XX/XXXX from XXXX XXXX in XXXX, MN in the XXXX  division which I repeatedly asked them as long as insurance would pay for the treatments then I would continue going. But they did n't do a good job in accounting and they told me I was covered on several appointments that the insurance refused to pay, because I signed a form that I was ultimately responsible for the payments at the beginning of therapy they thought they could just bill me the {$990.00}, which I refused to pay on principal and would be happy to go to court so the next person does n't get the same line of XXXX the asked if insurance would cover the procedures.
Consumer complaint received 2023-02-06
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. (NJ)

There is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting the reporting of the 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 a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transaction by me as the consumer : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX DEPTEDXXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (FL)

I am not responsible for the fraudulent disputed balance and or interest charges associated with this account from Branching Banking and Trust ( BB & T ) I am requesting for this account to removed from XXXX  XXXX. This account has been written off and disputed on many occasions. I am not responsible for this balance in the amount of {$630.00} for this account # ending in XXXX.
Consumer complaint received 2020-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (MI)

I have never been under contract with this company and they are reporting inaccurate information on my account while I am in the process of homeownership, further putting me and my family behind during a worldwide pandemic, causing stress that is unneeded.
Consumer complaint received 2019-11-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (AZ)

I got a loss of income due to new job duties, I request a loan modification with Cardinals financial loan # XXXX and I had been sending lots of documents, lots of phone calls and still at this time I had not been able to solve my loan problem. I had not been able to talk to one specific person, is always a different person. every day is the same problem, more and more paper work and updates which will lead to not been able to resolve this loan. documentation is repeated been send. they have been really difficult to get this loan. I had advised them to assigned one person only or to met with a local office and work this but no help. I am afraid to loss my home due to this problem. Can you please help me?
Consumer complaint received 2019-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2019 I mailed a request for a copy of my Experian credit file as I was declined for credit by XXXX XXXX XXXX. A copy of the decline letter was attached but as of XX/XX/XXXX I have not received the credit report.
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (KS)

On or about XX/XX/22 I completed all the necessary paperwork I was asked to complete by a Chase Branch associate named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Several days later I was told they needed more than just a mailing address for which I provided on my next visit. Several more days have passed and the bank still said they need a residential address so I returned to the bank a XXXX and XXXX time to give them this information that was uploaded at the Branch. Up to Several more days went by and I asked if processing was completed to make my new account UNrestricted. Again they said there is a problem with the residential address and I brought additional information bank requested which was a copy of the residential lease and also confirmation page with the property managers contact information that clearly shows multiple bona fide signatures. The branch manager XXXX assisted me for an hour while he contacted Chase Bank representatives to fix this ongoing issue. However, the Chase bank representative XXXX was speaking to refused to contact the " compliance department '' because she said there is no contact information for them which seems really odd that a bank does not have ability to communicate with other departments. Regardless, a bona fide lease with multiple signatures and initials by property manager an myself were throughout the lease. The Branch Manager XXXX also explained to the internal chase bank agent ( I think they call it the XXXX department ) that the posted document requirements for opening a simple checking account was met even though the XXXX agent had conflicting information. Chase bank tied up my {$1500.00} deposit for almost a month preventing me from having access to the funds. I am told now today that the " Compliance Department '' said there are missing signatures on the lease which is NOT true. Now the bank is refusing to open my account and refusing to take it off " Unrestricted " status for reasons unbeknownst to me other than it must be a prejudice or discriminatory practice because I gave them everything they asked for and more but they are playing games with their non-specific responses.
Consumer complaint received 2022-10-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

This is RIDICULOUS!! HOW MANY CONPLAINTS DO I HAVE TO FILE!!? MY BANKRUPTCY WAS FILED XX/XX/XXXX WHICH MEANS YOU'VE EXCEEDED THE 7 YEARS TO REPORT. I WANT THE FRAUDULENT AND UNAUTHORIZED INQUIRIES REMOVED IMMEDIATELY. IVE BEEN DISPUTING SEVERAL OF THEM SINCE XXXX
Consumer complaint received 2021-09-17
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: SYNCHRONY FINANCIAL (TX)

On XX/XX/2021, I ordered online an ottoman from XXXX and paid for the ottoman with a {$420.00} charge on my Synchrony credit card, which was billed on XX/XX/2021. On XX/XX/2021, I received an e-mail from XXXX  directing me to schedule delivery of my XXXX shipment. Pursuant to the instructions I scheduled the delivery four times, but each time the delivery did not appear even though I had received written confirmation of the time and date of the delivery. On XX/XX/2021, I called Synchrony customer service to dispute the charge. After I received notices that my shipment had been delivered on XX/XX/XXXX and XX/XX/XXXX, I called XXXX  on XX/XX/2021, and told them the shipment had not been delivered and I no longer wanted it. The XXXX  person I spoke with told me that their records did not show the shipment had ever been delivered. Synchrony has permitted XXXX, XXXX XXXX XXXX XXXX XXXX, to rebill my account even though the " evidence '' XXXX submitted only showed that I had placed the order for the ottoman. There was no proof that the ottoman had been delivered to me and no signature from me which the XXXX instructions had said were required. On XX/XX/2021, XXXXXXXX XXXX attempted to deliver the ottoman, saying that it had been " lost, '' but I refused to accept the delivery. I have tried to resolve the dispute with numerous calls to Synthrony customer service, which has informed me that I am not allowed to speak with their dispute department.
Consumer complaint received 2021-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (MN)

On XX/XX/2021, my full payment was taken twice electronically at Target Red card and when I called to have it refunded, I was told that I needed to conference call with my bank to receive a check in the mail. They would not electronically refund. They can debit and not credit? They clearly established my identity. Conference call? Really? This feels like a UDAAP violation. Are they doing it to collect the interest off the backs of taxpayers?
Consumer complaint received 2019-06-06
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. (NC)

I have contacted Experian in reference to accounts : Dept of Ed/XXXXt XXXX Dept of Ed/XXXX XXXX ; Dept of Ed/XXXX XXXX Dept of Ed/XXXX   XXXX ; Dept of Ed/XXXX XXXX. I contested the accuracy of the furnisher 's reporting of the payment history which Experian responded to my dispute that the accounts were being accurately reported. How are these accounts being " accurately reported '' when they have the payment status for XX/XX/2019 listed as " OK '' but the following month XX/XX/2019 is listed as 90 Days late. How can they report a 90 day late payment status without first reporting 30 and 60 day late payments. These erroneous accounts should immediately be deleted from my consumer report.
Consumer complaint received 2022-10-07
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: Experian Information Solutions Inc. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NC)

After American Express posted their interest charge to my credit card account, the very same day they proceeded to report my credit card status as " over the limit '' which dropped my credit score 25 points. The 2nd day after this event occurred, I paid the over the limit amount which reduced the balance below the limit. More than a week later, my account is still being reported as " over the limit ''. Therefore, an update to the credit reporting bureaus must be done immediately ( as quick as they were to report the over the limit status would be fair ) to reflect an accurate status.
Consumer complaint received 2019-02-23
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: WELLS FARGO & COMPANY (NY)

XX/XX/2018 I am being hit with a Inquiry from wells fargo. I never made said inquiry. This is fraud. I never authorized or signed anything with this company and have no idea what they are talking about. I called them and they said best thing to do was to report here. Just want this removed from my credit.
Consumer complaint received 2020-07-01
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. (AR)

IM SOON TO BE IN THE MARKET TO PURCHASE A HOME. I STARTED BY CHECKING MY CREDIT REPORT TO KNOW MY SCORE NUMBER. AFTER DOING SO I NOTICED A COUPLE OF ITEMS THAT ARE NOT MINE ON MY REPORT. THESE ITEMS NEED TO BE DELETED FROM MY CREDIT REPORT
Consumer complaint received 2017-11-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (CA)

We are getting repeated calls, about every other day, from Diversified Consultants, a Florida debt collection agency, using shadow numbers with XXXX XXXX XXXX CA origin. They do not leave messages, but just keep calling. One call was late at night. We do not have any debts and this is obviously a scam, but no amount of call blocking seems to be effective, as they just use another shadow number all of which come up as " Unknown '' on caller ID, with a XXXX area code.
Consumer complaint received 2017-11-10
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AVANTE (SC)

I received a call from XXXX on XXXX/XXXX/17 at XXXX at my place of employment. I have never listed this number as a number that was okay to call to reach me. I told the woman who called that she would have to contact me at a different time on a different number as this was my work number and I could not receive calls here. She began demanding another number and a specific time. I told her whatever she had on file as my supervisor was taking notice that I was not on a business call. She then began yelling at me about how was she supposed to call me if I would n't give her all of the information that she wanted and ended the call.
Consumer complaint received 2021-09-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc. (CA)

I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I didnt give permission to Designed Receivables for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to formally lodge a complaint regarding the presence of fraudulent items on my credit report. Specifically, I have identified inaccurately reported addresses and unauthorized inquiries that are adversely impacting my creditworthiness and causing significant concern. This letter serves as a formal request for the immediate removal and correction of these erroneous entries. 

The fraudulent items on my credit report are as follows : Inaccurate Addresses ; XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I dispute the accuracy of these addresses as they are not associated with me in any way. It is crucial to maintain the correct address information on my credit report to prevent any potential identity theft or fraudulent activity. 

Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have not authorized any of the above-listed inquiries, and their presence on my credit report is of great concern to me. Unauthorized inquiries can negatively impact my credit score and suggest potential fraudulent activity. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate, complete, and free from inaccuracies. The presence of these fraudulent items not only violates the FCRA but also poses a risk to my financial security and creditworthiness. 

I kindly request that your agency conducts a prompt and thorough investigation into these fraudulent items, including the inaccurate addresses and unauthorized inquiries. It is imperative that you take immediate action to correct these errors and ensure that my credit report accurately reflects my financial history. 

Additionally, I request that you notify all the credit reporting agencies to which you have provided this erroneous information to prevent the continued dissemination of these inaccuracies. 

I expect your agency to prioritize this matter and provide a written response within the legally mandated 30-day timeframe, confirming the removal and correction of the fraudulent items from my credit report.
Consumer complaint received 2021-09-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (AL)

I LOOKED ON MY CREDIT REPORT AND I SAW THAT THERE IS AN ALLEGED DEBT BEING PLACED ON MY CREDIT REPORT THAT I DID NOT AUTHOURIZE OR HAVE ANY KNOWLEGE ABOUT ITS FRAUDULENT PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. I HAVE TRIED TO GET THIS ISSUE RESOLVED MULTIPLE TIMES I NEVER GOT THE RIGHT DOCUMENTS TO VALIDATE THIS ALLEGED DEBT SENDING AN INVOICE AND A COPY OF A LEASE IS NOT VALIDATION. I HAVE ATTACHED AN FTC REPORT
Consumer complaint received 2020-10-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

ATTENTION TO XXXX XXXX XXXX! PLEASE READ AND UNDERSTAND THIS MESSAGE AND ITS ENTIRETY. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$830.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.