davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
Product: Credit 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 (NY)

I disputed a charge made on my account XX/XX/year> The result was in my favor and they credited my account for only XXXX cents instead of the full amount of XXXX. When I contacted them they stated I entered the incorrect amount on the online dispute form and they can not correct the amount. And I can not re-dispute the transaction. Because the dispute is closed. This makes absolutely no sense. And numerous calls with no resolution. The {$330.00}. Needs to be credited as well. This is an Apple Card through Goldman Sachs. Thank you for your assistance.
Consumer complaint received 2022-09-06
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: Credit Karma (TX)

I was told I was pre approved for a loan with XXXX XXXX XXXX through Credit Karma on XX/XX/XXXX. I was denied ( have email proof ) and this greatly impacted my credit score as the inquiry remained on my report for a year.

The following is text from the FTC report regarding the current lawsuit of which I am a victim. 

The FTCs proposed complaint alleges that, from XX/XX/XXXX to XX/XX/XXXX, Credit Karma falsely told many consumers that they had been pre-approved for credit offers, leading consumers to apply, incur a hard inquiry on their credit reports, and, if they are denied, potentially damage their credit scores unnecessarily.
Consumer complaint received 2016-08-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My former apartments sent me a " final bill '' for " repairs '' they say I owe for. I sent in multiple service requests for some of these and I have dates of every request. They paint the sinks, tubs and counter tops in the apartments. They paint in tubs started chipping. They received several notices from me through their portal about this. Unfortunately, I could not be out of my apartment for 4 hours at a time. I am a nurse and slept during the day. They made a claim for the carpet, which was old when I moved in ( some of the units had been updated, but I moved in to one that had not ) I had my own room sized rug on top of their carpet. The amount that is on my credit report as " due '' is not the amount they billed me. I think this is in retaliation for me filing a complaint along with pictures, which I still have, about the pool being green and moss filled. My granddaughter and I developed upper respiratory infections after getting into the pool. Once we realized there was green moss growing in it, we got out I was told I would receive pictures of the items I was being charged for. Another item they wanted me to pay for was a new handle on the microwave. They have several service requests about the microwave. The kitchen seemed to lean and the microwave door did not fit right. Maintenance came and fixed it at least once. The flooring in the kitchen is some kind of soft one sheet roll of something. It had a few scratch marks and spots where it looks nicked, like normal wear and tear on inexpensive flooring. Since this was not one of the updated apartments and it was not major, I did n't think anything of it, although I did not cause it. The refrigerator was so broken down I had to request service multiple times. It finally went out while I was at work and ruined all of my food I had just purchased. They reluctantly reimbursed me for some of the food and had to replace the fridge. The roaches were so horrible in this apartment it took 3 months to completely rid them. I informed the front office this was triggering XXXX for me. So, my question to you is exactly HOW was this confirmed? How do you confirm the validity of charges someone makes against you with no proof? If you would have received proof, you would have noticed the amount is not the amount you have on my credit report, it is much less. I never received the pictures of " damage '' they said they would send, nor have I ever received copies of receipts for " repairs '' they claim they had to make. I want both of these sets of documents/proof. I want to file complaint with the credit regulatory agency. Please review the accuracy of this charge and inform me how to file against them for retaliation. They may be able to confirm my name and that I lived there, but I never damaged their apartment.Because I have in writing, a completely different amount, this claim should be completely removed from my credit reports as inaccurate and false.
Consumer complaint received 2017-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TX)

I reached a settlement with the collection agency on XX/XX/2016 ; they mailed me a letter verifying the amount to pay in order to discharge the debt. I paid the amount due on XX/XX/XXXX. I have continued to be harassed by the collection agency stating they never reached a settlement with me. I told them to listen to the phone conversation that took place and to look at the letter they sent me on XX/XX/2016. They still insist the conversation did n't take place and that there is no paperwork on file notating a settlement. I receive a call from them everyday!!
Consumer complaint received 2015-06-13
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

Started a refi with bank of America in XXXX 2015 today is XXXX XXXX 2015 .I fill i have been discrimanated agaist starting with the loan officer to the underwriter. Bank of America XXXX XXXX like laws have made this very frustrating.After a heated conversation with the loan almost immediately he change all my info .I havent spoken to him since XXXX, someother person has been assiting me.Never have i had such awful service .All info submitted and still no CLOSE/
Consumer complaint received 2015-10-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MA)

Ocwen Loaning Servicing has changed their on line payment system. The system is down and is not working. There is no notice on the web site that it is not working. I attempted to make my XXXX payment on XXXX/XXXX/15, XXXX & XXXX but it failed. Using the customer contact email system, I wrote that it was not working, it clearly states that they would reply in 24 hours. No reply has been received back at this time. I have also written the Ombudsman and have received no reply back. My other complaint is they have change the terms on online payments. It states that you can not make a free online payment after the XXXX. The terms of loan agreement is the payment is not consider late until after the XXXX of the month. I am extremely dissatisfied with the service I received from Owcen and could only imagine how difficult they would be to deal with if I ever ran into financial difficulties
Consumer complaint received 2016-07-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc. (PA)

Debt collector never sent me a letter saying my bill was with them. I found out after calling XXXX to make a payment ... I had no written notice from anyone, and they never gave me the option to dispute it. Had I known, I would have disputed it. When i contacted them to resolve the debt, i then found out that they would charge me an additional fee on top of every payment I made. So I went back to XXXX and asked to pay them instead and made payments over the past year until the debt was paid in full. But in the meantime the debt collector, diversified collections inc, submitted the information to my credit report. All because I chose to pay XXXX to avoid extra fees. XXXX said because there was an error in reporting that they would get the account returned to them and ask to have it deleted from the report. But diversified wo n't comply. They said they will only update it, even though they no longer have the account and that it 's still active. 

Because of their unfair practices they have tarnished my credit. Now my chances to buy my house when my lease is up in XXXX 2017 will be slim.
Consumer complaint received 2015-07-06
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (NJ)

I returned items via a prepaid label from Macys on XXXX XXXX 2015 through XXXX. I tracked the tracking number and it was received by Macys warehouse and signed by XXXX on XXXX XXXX 2015. No credit was applied to my account the following statement, I called and after being on the phone XXXX hour and being disconnected they said it would be on my next months statement. I received this months and there still is no credit of XXXX. I called again once again I was hung up on in the transfer process, their account specialist said that the warehouse could not process the return and she did locate the items and she would forward it to their credit department. When I asked when the credit would appear she said she did not know she was not in that department.
Consumer complaint received 2015-11-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (IL)

I am being contacted by XXXX Debt Collection on a debt that is not mine. I do not have an account with them. I 've asked XXXX for them to quit calling, however they continue to call and actually since answering the phone, the number and frequency of calls has increased. They call at least XXXX daily.
Consumer complaint received 2022-08-09
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. (CA)

Date Reported XX/XX/2022 A student loan by XXXX Department of education for {$5500.00} on my credit report was not opened by me. I have paid off any all-student loans that I applied for years ago. I have disputed this, and they refuse to remove the debt.
Consumer complaint received 2016-09-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMERICAN EXPRESS COMPANY (WA)

I opened an American Express Business credit card account as a member of an LLC ( XXXX ). I was told they needed my social security number due to the Patriot Act. The XXXX became insolvent, and American Express called me saying it was a debt I personally owed. After no less than 10 conversations asking them for documentation to support this when I told them I did n't sign for that, they continued to say they would " send what they have '' but instead sent me to collections. They continued to mislead me with their intentions until I was contacted by a collection law firm. I had to hire an attorney, pay court costs, even pay to fly to a court hearing since I no longer lived in the state the account was opened in. My credit was damaged, getting me denied for home rental for my family. The judge agreed with me as they had no documentation, and finally about 18 months later my attorney and the law firm representing American Express agreed on a dismissal with no further ability to attempt to collect. I sent all credit bureaus a copy of the order signed by the judge, and XXXX and XXXX removed the account from my personal credit report. XXXX, is still being told that " it 's my debt '' by American Express even though it 's dismissed, I was found not responsible, and I never signed anything saying it was my responsibility. It is still damaging my credit.
Consumer complaint received 2017-03-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NY)

Equifax just added two items on my credit report on XX/XX/XXXX/2017. I do not understand how something that just appeared on my credit report on a Sunday when Equifax is closed on the weekends. The credit report dated XX/XX/XXXX/2017 can see two new items were added on Sunday. You can compare with my free annual credit report pulled this XXXX 2017. 
See credit report agencies can added anything and do n't protect consumers.
Consumer complaint received 2024-03-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Complaint Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Experian Complaint Department, I am writing to file a formal complaint against XXXX XXXX - XXXX XXXX  for multiple violations of consumer protection laws, specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ).

Under 12 CFR 1006.34 ( b ) ( 5 ), financial institutions are mandated to provide accurate and timely information to consumers regarding their accounts. However, XXXX XXXX - XXXX XXXX  has consistently provided misleading and incorrect information about my account status and transactions, leading to confusion and financial harm on my end. 

Furthermore, according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), financial institutions are required to promptly investigate and resolve any disputes raised by consumers regarding their accounts. Despite my repeated attempts to dispute charges and errors on my account, XXXX XXXX - XXXX XXXX  has failed to address these issues in a timely manner, resulting in ongoing frustration and monetary losses. 

Additionally, under 12 CFR 1006.34 ( d ), financial institutions are prohibited from engaging in unfair or deceptive practices that harm consumers. XXXX XXXX - XXXX XXXX  has breached this regulation by failing to accurately disclose fees and charges associated with my account, causing unexpected financial burdens and further financial strain. 

Lastly, as per 15 USC 1681-S2 ( 7 ) ( A ), financial institutions are obligated to safeguard consumers ' personal information and prevent unauthorized access to their accounts. However, XXXX XXXX - XXXX XXXX  has neglected to adequately protect my personal and financial information, potentially exposing me to security breaches and identity theft risks. 

I kindly request that Experian investigate these violations and take appropriate actions against XXXX XXXX - XXXX XXXX  to ensure compliance with the relevant laws. Additionally, I seek compensation for any financial losses and damages incurred due to XXXX XXXX - XXXX XXXX  's unlawful practices. 

Thank you for your attention to this matter. I look forward to a prompt resolution.
Consumer complaint received 2016-09-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (RI)

This is a debt that 3rd party Midland Funding is trying to collect on. I am unaware of the debt and they have not provided valid information that this debt legally belongs to me, I 've sent a Debt-Collector-Disclosure-Statement and a Dunning Form letter to Midland Funding and to their lawyers twice to no avail and they have not proven that I owe them the dept. They are reporting me to the XXXX credit bureaus. I 've disputed with the XXXX credit bureaus but they will not take it off of my reports.
Consumer complaint received 2016-08-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Action Collection Service (ID)

I was on section XXXX or government housing in 2010 the companys involved will not release the contract or proof how I owe rent. I have tried may times to dispute this and I eveneed tried to settle. The company are unwilling to do anything.
Consumer complaint received 2016-07-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Razor Capital, LLC (GA)

RAzOR Caital LLC delivered court docs ( XXXX-XXXX personal pages ) to my home simply stapled no envelope ; to a roommate and I believe my privacy rights were violated. This is because new roommate ( non relative of two weeks ) was able to have an opportunity to view docs prior to my getting home. Prior to delivery of summons, Razor opted not to work with me and insisted even with a payment arrangement we still have to go to court if not paid in full by court date. And refused to consider any settlement offer prior to violating my rights.
Consumer complaint received 2017-02-27
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE (FL)

I use a XXXX / Barclay credit card to make a XXXX purchase back on XX/XX/XXXX. One of the benefits of using this credit card to pay for the XXXX is {$100.00} credit. Since last year I have been calling several time to inquiry as of why the credit has not been posted to my account after XX/XX/XXXX. There are constant excuses and the last time I call ( 2 weeks ago ) a representative told me that the request was made manually and it will be on the account not later than XX/XX/XXXX. So far no credit.
Consumer complaint received 2022-08-09
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. (CA)

Date Reported XX/XX/2022 A student loan by XXXX Department of education for {$5500.00} on my credit report was not opened by me. I have paid off any all-student loans that I applied for years ago. I have disputed this, and they refuse to remove the debt.
Consumer complaint received 2015-09-01
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had my wallet stolen. My debit card was used for a purchase at XXXX. I immediately notified Bank of America and cancelled my debit card. The bank has denied my fraud complaint and is going to pull the money from my account. I have provided them with a police report number and a statement.
Consumer complaint received 2015-09-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Credit card showed unauthorized charges as I RARELY use the card in the amount of {$14000.00}. Advise them I did not authorize. Agent confirmed I would not be responsible for transactions, but I am still receiving statements.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I have filed a written dispute regarding incorrect personal information on my credit report with Experian. The dispute number # XXXX. I requested that incorrect personal address information be deleted/removed from my credit report. The incorrect address information is still on my credit report. Please remove the addresses below immediately : 1 ) XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, NY XXXX I am requesting this to be done right away.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (ND)

When I check my credit report those account violate my right I never deal or sign any document With those company In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, those accounts for XXXX XXXX and Experian. Account that need to be deleted and investigate XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX Bank XXXX XXXX, XXXX XXXXXXXX XXXX, I do not have any account or business with those information or
Consumer complaint received 2022-09-06
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: EQUIFAX, INC. (NY)

On XX/XX/2022 I submitted a complaint against Equifax for reporting incorrect information on my credit report. Their response was that the information I submitted was not what they had on file and needed me to send in verification information. I find it odd and disturbing that Equifax did not/ could not verify this information without my documentation however theyve been reporting this very information for over a year. I sent in the requested documentation along with my demand of permanent removal of collection account that had been previously removed and reinserted incomplete, without and notification nor the opportunity to explain that this didnt belong to me. 
No Reasonable Procedures were enforced.
Consumer complaint received 2022-09-06
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: Experian Information Solutions Inc. (MA)

So i sent a letter off on XXXX XXXX. Here is my tracking numbers : XXXX : XXXX Experian : XXXX XXXX  : XXXX To remove personal information that I don't not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.