davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX Firm is reporting incorrect information on my account on my credit file. They are reporting the My account was opened in XX/XX/XXXX and I did not open in XX/XX/XXXX, I. opened this account in XX/XX/XXXX. Also, they are reporting Lates Starting XX/XX/XXXX, but My account wasn't opened until XX/XX/XXXX. This information they are reporting is not accurate and needs to be fixed.
Consumer complaint received 2020-09-11
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 (MI)

XX/XX/2020 I disputed a charge to my Goldman Sachs Apple Card. The charge was from a company called XXXX through XXXX that was made XX/XX/2020 for {$190.00}. My dispute was/is as follows : Utilizing the XXXX website I purchased a part for my clothes dryer. I entered the model and serial # on the XXXX website and they sent me a new control box for my appliance. The part they sent me was not the correct part. I immediately reached out to XXXX  and they ignored my requests to remedy the situation by providing the correct part or providing a refund. I then filed a dispute with Goldman Sachs Apple card and provided a copy of the email I send XXXX requesting remedy for their error. While they did provide provisional credit they eventually found in the favor of XXXX because they " provided proof that I made the purchase ''. I dont understand why it took 8 weeks to confirm I made the purchase since I told them I made the purchase in the initial dispute. The dispute is that this company didnt send me the part I ordered and has refused to remedy the situation. I have in turn purchased a new dryer and no longer want the part from this unresponsive company ; I want my money back which Goldman Sachs Apple Card is refusing to provide.
Consumer complaint received 2019-11-02
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

My credit was run by the following companies without my knowledge : Capital One Bank USA XX/XX/19 XXXX XXXX  XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX   XXXX XXXX XX/XX/19 Capital One Bank USA XX/XX/19 XXXX XXXX   XX/XX/19 XXXX XX/XX/019 XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX  XXXX XX/XX/19 XXXX/XXXX XX/XX/19 XXXX/XXXX XXXX XXXX  XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX   XX/XX/19 XXXX XXXX XX/XX/19
Consumer complaint received 2019-11-02
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. (TX)

data breach ftc sent inaccurate information must be removed by CRA laws XXXX trans and XXXX  does not want to comply with LAW inaccurate information that can't be corrected must be removed CRA
Consumer complaint received 2019-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have been charged late fees when I made payments on time. I was told they were after the cut-off time of XXXX, but that is incorrect. Both payments were made at XXXX on the due date of XX/XX/2019 and XX/XX/2019. I did not receive any email confirmations ( but do receive my email notice for my statements ). I have made attempts to resolve this, but was treated poorly by customer service.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NC)

I tried cancelling my Experian Credit Monitoring account. There is no way to cancel online. I tried calling and the # 's either did n't work, or they transferred me and left me on hold for a long time. Is this a joke?
Consumer complaint received 2020-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I was reviewing my credit file and saw Portfolio recovery had a collection on my account for {$590.00} or so. I reached out to see what the charge was and if I could dispute/resolve if needed. The company stated they have no record of any account in their office for me. I then requested for it to be removed from my credit file.
Consumer complaint received 2021-08-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I lodged a complaint with the CFPB about a missing money order deposit with Bank of America on XX/XX/2021. The complaint ID is XXXX. I have been working with XXXX XXXX, a Resolution Specialist with the Regulatory Complaints Department at Bank of America. She is still working on my case. 

On XX/XX/XXXX, I tried to make a deposit into my Bank of America checking, but it didnt work. I called their customer service, and they informed me that my account was marked for closure on XX/XX/XXXX. As of today, XX/XX/XXXX, the account is closed and no longer shows in my online login. I still have two credit cards with Bank of America. The reason they gave me on the phone was simply that they didnt want to do business with me anymore. I have not received any notice from Bank of America of this decision either, they outright closed my account with no notice. 

I can only assume this is retaliation for my CFPB complaint, a complaint that remains unresolved as of today XX/XX/XXXX. 

I sent XXXX XXXX  an e-mail and left her a voicemail on XX/XX/XXXX, but I thought this required an additional CFPB complaint because I dont think this is legal. 

I am submitting another request to the CFPB to find out if this is even legal to do this, to close my account in clear retaliation for a CFPB complaint where Bank of America itself made a mistake and has not rectified it yet, and still owes me money.
Consumer complaint received 2020-10-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2019-03-07
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: F.H. Cann & Associates, Inc. (IL)

On XX/XX/XXXX XXXX from FHCANN & Associates contacted me in XXXX of XXXX and made me aware of a debt that I had for student loans. Prior to him contacting me I was not aware of an amount, or that I was in default. After XXXX spoke with me he and I made an agreement to set up an arrangement to get back in good standing with my student loans on an IBR program. The program that he advised me to get on was only {$5.00} a month for which he specifically stated would be a duration of 8 months. In the midst of our conversation I made XXXX aware that I would be filing taxes and specifically asked him, verbatim, if I had any kinds of garnishments against me with my student loans that I needed to be aware of. XXXX specifically told me no, that I did not have any garnishments. He also did not make me aware that I could " possibly '' be offset either if I did file my taxes. On XX/XX/XXXX I made my second payment and revisited the prior conversation in order to be sure that I would not be offset once I did file my taxes. On XX/XX/XXXX I was offset for the US Department of Education. I called FHCANN & Associates and asked to speak with a supervisor, and was given XXXX XXXX. He stated that there was nothing that could be done. I called again at XXXX PM the same day, and spoke with XXXX another supervisor, who stated that the call had been reviewed by XXXX and XXXX had came to the conclusion that nothing was said off script and that XXXX `` did '' make me aware that I would be offset, and that XXXX never confirmed that I would NOT be garnished. As I told XXXX, this is incorrect, and I wanted the call reviewed again. I also requested transcripts to which XXXX told me that FHCANN is not required to give me, however he stated that the call would be reviewed by a manager and that he would follow up with me in 1-2 business days. I would like to make a complaint based on the misrepresentation that XXXX made. From my understanding, XXXX is NOT a tax consultant, and therefore should not be answering tax related questions with definitive answers. I, the consumer, was also not made aware of the " possible '' offset which is a clear violation of FHCANN & Associates contract with the Dept. of Education.
Consumer complaint received 2017-02-27
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (RI)

Since XX/XX/XXXX, I have been trying to solve credit fraudulent charges on my wells Fargo credit card, in the amount of over {$4000.00}, in which I did not make, nor authorized anyone to do so. Nor did I ever told anyone at wells Fargo the CV Code on the back of the e card, because, I did not have the card in my possession. I have spoken to every one there from the executive office to the fraud dept., claims dept., and so on, yet the only credit back about {$900.00}, not the entire about of fraudulent charges of over {$4000.00}, as requested on XX/XX/XXXX, claimer taker by the name of " XXXX '', who later on, I found out through the claims dept.-Supervisor, who told me, that she did not a lot of the items. However, she was to send me a new affidavit with what she added on to the form, if any other charges are listed for me to list them all, and send it back to them, in which I did in XX/XX/XXXX, along with the Police Report, Ft reports, and letters from me. Yet, each time, I call, I tossed around on the phone to different department, with different stories to tell me about my claim. It seem like no body at wells Fargo is Incompetent enough to handle this case, especially when they have some one calling me from the department in which does not handle fraud issues. As far as I am concerned, I have come to believe all that the media has to say and make consumer aware about wells Fargo fraud business dealing s with their customers. However, I am refuse to be another one of their statics. I REFUSE TO BE PENALIZED FOR FRUALENT CHARGES, IN WHICH WAAS NOT MADE BY ME, UNDER ANY CIRCUMSTANCES, ESPECAILLY WHEN I HAVE BEEN IN AND OUT OF HOSPITAL DUE TO XXXX FROM XX/XX/XXXX TO XX/XX/XXXX.
Consumer complaint received 2019-11-02
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: Experian Information Solutions Inc. (CA)

Vehicle loan with XXXX. Car was totaled, XXXX XXXX paid loan off and loan is still open and having a huge negative impact on credit score with the wrong not updated info. Loan should of been closed
Consumer complaint received 2019-03-07
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: EQUIFAX, INC. (NC)

Equifax is incorrectly reporting me 120 days past due on the XXXX, partial account number XXXX, reflecting a {$0.00} balance and {$0.00} past due amount. This negative reporting is hurting my credit score. It is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2017-08-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Credit Network Inc (CA)

Over the past several months i have been disputing this account and they keep saying that it is verified through the credit bureaus. I 've sent letters directly to the Creditor and the bureaus and the only thing i 've recieved back from the company is a bill from a doctors office that does not belong to me and a address that i 've never lived at before.
Consumer complaint received 2016-03-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Guild Holdings Company (TX)

I closed on my home in XXXX of 2015 and this month I received a notice from my mortgage company ( Guild Mortgage ) that I had a trust shortage. I called the mortgage company and they told me that because of the shortage my mortgage was reconfigured to cover the shortage. My payment went up over {$360.00} a month.
Consumer complaint received 2021-09-10
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 sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2019-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Vehicle loan with chase. Car was totaled, XXXX XXXX paid loan off and loan is still open and having a huge negative impact on credit score with the wrong not updated info. Loan should of been closed
Consumer complaint received 2019-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX XXXX - partial account numbers XXXX and XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2022-09-09
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. (FL)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-11-02
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. (TX)

data breach ftc sent inaccurate information must be removed by CRA laws Equifax XXXX and XXXX does not want to comply with LAW inaccurate information that can't be corrected must be removed CRA
Consumer complaint received 2022-09-09
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. (FL)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-03-31
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 (PA)

I ordered my XXXX from XXXX in XXXX and returned it towards the end of XXXX, in line with their return policies which gave me until XX/XX/2022 to make the return. I have chat transcripts that confirm that XXXX received the return on XX/XX/XXXX, but I never received a refund despite multiple attempts at contacting customer service and agents telling me that I would receive communication from XXXX. As such, I initiated a dispute with Apple Card on XX/XX/2022 and I received communication today on XX/XX/2022 that the dispute was not found in my favor because " the items you purchased have not been returned to the merchant for a refund. '' I don't feel Apple Card has handled this dispute correctly, when XXXX has told me that they did in fact receive the item that I returned. Apple Card also never asked me for the screenshots or documentation that would show that I did return the item. Now, I am being told that a new dispute would take up to 90 days, meaning it could take until XXXX to potentially reach a resolution on this case. In the meantime, I am out {$1900.00}. Additionally, Apple Card has not sent me the documentation to explain why the original dispute was not found in my favor as they are expected to.
Consumer complaint received 2019-11-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC (AZ)

I took a title loan out Loan Max XX/XX/19 for XXXX dollars, with due date XX/XX/2019 but because I made a payment earlier ( XX/XX/XXXX ) to avoid the interest rate they change my due XX/XX/XXXX Instead of XX/XX/2019 They said I was manipulating the situation, that not manipulating that is business and I know from past experience with loans because I pay earlier my due date never changed This is Loan Max attempt to penalize me for paying earlier so they can gain interest and profit unlawfully .They also it is stated in the contract if you pay earlier you change the due date so you really being manipulating, penalize by loan max so they can collect more interest making less of your payment go on the principle. Also because it is the contract does mean it is legal, I have the right to pay earlier without being penalized by loan max to prevent me from doing so by changing my due date
Consumer complaint received 2022-03-31
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. (FL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2019-11-02
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. (OH)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-03-07
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: Convergent Resources, Inc. (KY)

This collection that wasn't even supposed to be mine is reporting to two different creditors with the same account number. I just paid it to resolve it on my credit but instead they have it labeled twice on the credit report and it is wrong. It should have never been mine but I just paid it because I thought that would help my credit because I don't have the time to look into it. Instead they reported it as two trade lines with separate companies which is wrong. On top of that, they didn't even put it in a dispute status when I disputed it with them.