davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
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 (OH)

I have an Apple Goldman Sachs card. I booked a hotel XX/XX/2022 for a stay at the XXXX XXXX through their XXXX XXXX XXXX website for XXXX XXXX XXXX The cost was {$1000.00} I canceled this reservation on XX/XX/2022. The cancelation deadline was XX/XX/2022 ( 1 day before arrival ). The hotel charged me anyway and I disputed with Apple Goldman Sachs. The hotel provided their stance on the dispute which was that there was no cancelation allowed due to it being the XXXX XXXX XXXX  and also that I booked from a third party and there is not cancelations allowed. I did not plan a stay at this hotel for the XXXX XXXX XXXX and a quick XXXX will show you that the XXXX XXXX XXXX was in XXXX. My stay was in XXXX. I also did not book through a third party. I booked directly through XXXX XXXX XXXX website for XXXX XXXXXXXX XXXX stay. Another quick XXXX will show that is the only way to directly book at this hotel. I provided screen shots of all of this to Apple Goldman Sachs and they have not done one ounce of research for me at all. The dispute gets denied and I open it up again. I ask for proof from the hotel and each time they state they investigated yet they still send me the same notes as the first dispute. This has been going on for months now. I am so upset that Apple Goldman Sachs has not done anything on my behalf. I do not carry a balance on this card and I also have amazing credit. I need help with this investigation and Apple Goldman Sachs to do their due diligence on my case. They have done nothing. Every time I call, Apple agrees with me, they send me to a Goldman Sachs rep and they also agree with me. What is going on???? You are allowing this specific hotel to rip people off and Apple Goldman Sachs is not doing any investigation when I am showing fact and the hotel is not!
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX XXXX  AUTO WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2023-03-20
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. (WI)

After reviewing my personal credit report, I have found inconsistent data on my report and would like to resolve these issues for the following accounts : XXXX XXXX # XXXX Delete this account for inaccuracies : Date of charge offs on reports have inconsistent dates. XXXX reports no charge off XX/XX/XXXX, XXXX reports charge off for XX/XX/XXXX, Equifax reports no charge off for XX/XX/XXXX Account Type is inaccurate.XXXX reports Installment Account, XXXX reports XXXX XXXX Equifax reports Installment XXXX # XXXX Delete this account for inaccuracy because Date of Late Payment reports inconsistent dates. XXXX reports late on XX/XX/XXXX, XXXX reports late on XX/XX/XXXX, Equifax reports late on XX/XX/XXXX XXXXXXXX XXXX # XXXX Delete this account for inaccuracy because Date of Last Payment reports inconsistent dates. XXXX reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, Equifax reports XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-09-03
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX. OF XXXX, Account # xxxxxxx XXXX XXXX XXXX XXXX XXXX. It has been showing up on my credit report over 11 years! 

Account # xxxxxx XXXX XXXX XXXXXXXX XXXX XXXX 

Account # # # # # # # XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX Account # # # # # # XXXX XXXX, XXXX ( XXXX XXXX XXXX Account # # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX MOBILITY ) 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 an account without my written instructions
Consumer complaint received 2015-05-20
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Amsher Collection Services, Inc. (NV)

AmSher Collection Services reported to credit bureaus a debt which I never owed. It is for XXXX XXXX, which I still use and am current, and have been current, on my bill, but they say I opened up another account in XXXX of this year and owe over {$400.00}. I have used Century Link since at least 2005 and when we moved over 3 years ago, we paid our balance and signed up for Century Link at our new home ( I am sure they would NOT have given us new service without paying off the old ). I have no idea how to respond to these people. I DO NOT OWE THIS MONEY! These charges are erroneous or fraudulent but either way, they are not ours and need to be removed before more damage is done to our credit! FURTHERMORE, we never once received anything from these people indicating that they thought we owed this money .... the XXXX we heard of it was from our credit report which leads me to think they are bipassing the system as a sneaky way to conduct a fraudulent business.
Consumer complaint received 2021-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX HAS ASKED EACH REPORT BUREAU TO PROVIDE IN WHICH IS required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. 

iT'S BEEN OVER 30 DAYS SENT LETTERS ON XX/XX/2021. IT IS NOW XX/XX/2021.
Consumer complaint received 2016-06-10
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Synergetic Communication Inc (TX)

I have disputed this account with both synergetic communications and XXXX about them report inaccurately on my credit report and both have been giving me the run around and neither wants to update as settled. this is not I paid the settlement and neither has reported it to the credit reporting agencies. it reflect as not paid or settled on my credit report for all XXXX agencies.
Consumer complaint received 2022-09-03
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: Exeter Finance, LLC. (PA)

In accordance with the fair credit reporting act XXXX account has violated my rights. 
15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A credit or may not treat a payment on a credit card account under an open and consumer credit plan as a late of any purpose
Consumer complaint received 2016-02-24
Product: Credit card — 
Issue: Balance transfer — 
Company: AMERICAN EXPRESS COMPANY (WI)

On XXXX/XXXX/XXXX, American Express billed me for a balance transfer to XXXX XXXX for XXXX. I recently ( XXXX XXXX XXXX learned from XXXX XXXX that they never received a balance transfer from American Express, and my account with them ( XXXX ) was never credited. 
XXXX XXXX concluded their investigation and requested American Express provide them with the ABA number and complete account number the funds were sent to. American Express was unable to provide the requested information stating that their records did not go back that far. I have since paid the XXXX account in full XXXX XXXX. 
I have been paying on the {$2000.00} transfer since that time. It then is my understanding that the balance transfer never occurred, if American Express does not have evidence to the contrary. I am requesting American express credit my account including any payments, paid interest and fees occurred on the {$2000.00} / balance each month beginning XXXX XXXX to current. I would like a detailed statement showing each month what dollar amount was credited. 
I will then pay any outstanding balance to maintain my credit account with American Express and remain in good standing..
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2022-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (PA)

I received a letter in the mail from XXXX and i called them and told them that i never open an account with them to purchase anything and they said that they will close the account and i told them someone else did this because i have XXXX and when someone try and use my name or address or email address and social security number i get an alert and i have a freeze on all my information so im not paying for something yall let happen to yall
Consumer complaint received 2021-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: N26 Inc. (ME)

I have been using N26 since XX/XX/XXXX and I have been primarily using the account to save money. On XX/XX/XXXX, I have noticed that the app will not let me sign in and kept asking to identify myself and provide prove of who I am. I have followed the steps numerous times and I still couldnt sign in. After a week, I reached customer service and thats when I found out that it was fraud and I was not getting my money back. They said theres nothing they can do for me and my account will close if the app can not identify me. 
Right now I dont know what to do, I have XXXX in the account and I have no access to it. I cant open my account and I cant move my money. I need serious help with this issue I am facing.
Consumer complaint received 2015-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

Around XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX took over our home loan from another bank. The loan is now paid off but during that time we were having problems with the all the time. Problems such as we set up electronic payment and were advised AFTER-via late payment notice, that electronic payments were n't authorized. Then when we sent payment in by check, we received another late payment because they increased the amount without telling us so our payment was short. They told us they would clear all late notices and we would send in the difference which was {$37.00}. Yesterday I had a background investigation interview and was asked what the late payment to XXXX was about which was dated XX/XX/XXXX. We have no idea what that is about and I called them and they told me that they do n't show any late payments on our account. I would have to send in this problem via fax before they can investigate. Go ahead and XXXX XXXX and see all the unhappy reviews about them and see how many are just like mine. They are a very disorganized company and should not be in the home loan business.
Consumer complaint received 2016-02-17
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Ceannate (TX)

I agreed to work with FMS Investment Corp. ( FMS ) XXXX XXXX XXXX XXXX XXXX, IL XXXX to rehabilitate my school loans. However, there have been calls made to my place of employment as an " emergency '' and the notes are being delivered to my classroom during my instructional school day.Also, not only do I receive excessive calls throughout the school day, they also call my husband 's phone excessively. 

The calls are daily and begin at XXXX on XXXX phones and do not stop until XXXX
Consumer complaint received 2022-09-03
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. (WI)

In accordance with the Fair Credit Report Act the following accounts 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, THE XXXX XXXX # XXXX, and XXXX XXXX # XXXX have all violated my rights. 15 U.S.C 1681 section 602 A. States that I have the 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 instruction.
Consumer complaint received 2020-10-18
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. (TX)

Equifax, if the mortgage account with XXXX dba XXXX XXXX # XXXX is not corrected to OPEN, then the next correspondence will be from my attorney. 
I have dispute this 4 times now. See attached Equifax dispute results. nothing was corrected. And yes, I have disputed with  XXXX, but I am not allowed to actually speak to anyone in their credit reporting deptso my dispute is going nowhere. 

**See my attached mortgage payment receipts for XXXX, XXXX, and XX/XX/2020. I pay this account every month! It is OPEN. And there have been no late payments past 30 days, ever. 

*I also disputed this again online XXXX, and provided all these documents again online as well. 

Please correct my Equifax credit report to show mortgage account with XXXX dba XXXX XXXX # XXXX as OPEN, not Closed. And on-time payments through XX/XX/2020. 

*I have provided PROOF that this account is Open & current on payments multiple times, not Closed.
Consumer complaint received 2015-08-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First Data Corporation (TX)

My bank account at XXXX was hacked the end of XX/XX/XXXX and a fraudulent ( electronic ) check was written to XXXX for {$280.00} for check XXXX ( which I never issued ). I instantly went to my bank and account was closed. I got confirmation from XXXX that it was fraud. The end of XXXX I got a Notice from TRS Recovery Services that they were going to collect my XXXX debt ( + fees ). I contacted them and per their request I printed an Forgery/Identity theft Affidavit from TRS and had it notarized by my bank. The package ( affidavit, note from TRS and prove from my bank ) was faxed on XXXX. Fax receipt by TRS was confirmed. I called today XX/XX/XXXX multiple times to ask the status and they claim they have n't received anything from me. Phones are disconnected, or are terrible quality. Additionally they mentioned that there was another case pending for {$190.00} for which I had not received a notice from them. This was a fake check with a fake name and DL from a non-XXXX bank ( XXXX XXXX, I think ) but with my bank account / routing. Very clearly fraud. Also here the bank re-imbursed me and held me not liable. How can they loose evidence sent to them by ( confirmed ) fax )?
Consumer complaint received 2022-09-03
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: Regional Acquisition Group, Inc. (PA)

In accordance with the fair credit reporting act XXXX account has violated my rights. 
15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B : A credit or may not treat a payment on a credit card account under an open and consumer credit plan as a late of any purpose
Consumer complaint received 2017-02-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Revenue Assurance Professionals LLC (TN)

we received multiple bills from several hospital stays that were not itemized so we could match them to XXXX from the insurance company. we requested itemized bills to be sent. 
by this time, the debt was turned over to collections and we were still unable to match the bills with the XXXX 's. 
we called the collection company and asked for the amount we owed and paid it. 
my credit report still reflects that we still owe the debt and the debt collector refuses to remove it. 
we have proof from the bank that we paid the debt and the collections company has a record of the call when we paid it.
Consumer complaint received 2016-04-18
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX is calling me after I have requested that do not contact me via a letter i sent which the rep says they didnt receive which i know is false because they sent me a letter responding to the letter i sent verifying an account that they verified with insufficient proof via a statement which doesnt proof anything I want all contact ceased! and I want the account removed from my credit report! since it has not been properly verified.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft. I have disputed a hard inquiry from XXXX XXXX multiple times and have given Equifax a copy of my drivers license, copy of social security card, FTC report, and a personal statement. They wont remove it and every time I call they just say to submit the documents I already have submitted.
Consumer complaint received 2017-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thunderbird Collection Specialists, Inc. (AZ)

According to my credit report, I have contacted them and requested my address, employment and account be removed. Its XXXX account that remains on my credit report TCS XXXX XXXX for a date od service in XXXX XXXX. I have contacted them directly. I spoke to a XXXX at XXXX and she told me that this billing company est. XXXX and they do not have any records of my information. She then told me to contact the doctor office XXXX XXXX and speak with XXXX at XXXX. They too have no records of me, by searching for my name and social. I was then told to contact the hospital XXXX XXXX XXXX XXXX in medical billing. I spoke to XXXX who said she has no records of my information.
Consumer complaint received 2016-05-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (OH)

have attempted to transfer my hsa account from HSA bank to XXXX XXXX since XX/XX/XXXX.2 or 3 attempts were made by XXXX XXXX and they indicated no response from HSA bank and when I contacted XXXX by phone their rep found the 20 to 30 minute phone delay to speak to anyone was the norm. So I attempted to contact XXXX where my investment portion of the was and see if HSA bank had contacted them and secondly if there a backdoor means to contact HSA Bank but the rep said no and he told me just to wait 30 minutes on hold. I finally sent another e-mail to HSA bANK about the the inability to reach a rep ( 20 to 30 min. hold time ) versus a one min. hold time at XXXX XXXX and a nice rep at HSA bank helped over the course of a few days to try to figure out where the problem. We finally figured out that the investment portion had to be resolved first but no indication of the problem was stated in the first e-mail I received. It SEEMS every effort is made prevent the customer from transferring their assets to a different place.AS of today another XXXX to 10 days after the investment funds have been made liquid and in their cash account, there is no movement.Every month I am charged a fee of {$5.00} a month and I have not used this account all year waiting for the transfer to take place. Each month this goes on I have no access to the funds either to use or invest but the fees keep coming and their is no one to penalize or force HSA bank to make this transfer.A 3 TO 4 month seems quite unreasonable.