davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (OH)

We have always had a GM rewards card, but recently it was changed to Marcus as the administrator. At that time we weren't really using the card very frequently due to not needing the rewards as much. We had received a bill for a small amount, {$8.00}. Not sure what it was but found out it was some sort of recurring charge from XXXX so I contacted XXXX and stopped that and then paid the card balance of what I thought was XXXX. There must have been an additional XXXX of interest from the last statement that I was not aware of. When I made that payment, I was under the impression I was paying the balance in full and we did not have any plans on using the card anymore. No more paper statements or emails from them until XX/XX/XXXX, which at that time says I have a balance of {$36.00}. These are all charges from that XXXX. I called in XXXX and they told me they would look into waiving these. Never heard back and continued to get emails and notice that my account had been closed so called back to check on status. Did not seem that anything had been done from the previous call. XXXX explained that I had switched to e-statements which I checked old emails and spam and couldn't not find any emails. She started another dispute and received this email from them. 
Hi XXXX, We've received your feedback about the GM Card. 
Goldman Sachs Bank USA investigated your statement dispute. You contacted us on XX/XX/2022 because you had not received the XXXX to XXXX statements for your G.M Card. As per our records, you provided E-sign consent on XX/XX/2022 and as per the terms and conditions of this consent, all legally required documents including statements are delivered to you electronically and available at https : //www.marcus.com/us/en/documents. On XX/XX/2022, XX/XX/2022 XXXX, XXXX email were sent to you stating that the XXXX to XXXX statements respectively were available. At this time, we are not able to waive any interest and late fee charges. At the time of this statement your delivery preference was electronic, you can change your preference anytime at Marcus.com in your account profile. You can view your monthly balance, minimum payment due, and payment due date on your most recent statement and available on Marcus.com. 
We appreciate you reaching out about the GM Card. 
If you have further questions, please contact a GM Card Specialist at XXXX. 

I just paid the balance because I do not want this to impact my credit for XXXX cents, which I think it XXXX have already though. Had I received a statement showing the balance the next month, I'm sure I would've called and they would have taken care of it. I also have never chosen to have electronic statements for any statements I have so if this was opted in, I think it was probably because the website directed you to choose that and was slightly misleading because I would not willingly choose for e-statements.
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. (DC)

Hello- I have reached out to the credit bureaus, department of education and XX/XX/XXXX. Currently at all 3 credit bureaus it shows that my loan repayment terms are " 4 months '' therefore my debt to income ratio is ridiculously high when applying for credit. XXXX told me that my loan time frame is for 25 years, therefore I want the whole repayment terms length being " 4 months '' fixed.
Consumer complaint received 2020-06-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NV)

ONCE AGAIN. CREATIVE FINANCE! Improper credit application of returned merchandise to wrong promotional balance. I purchased an item that was returned and the promotional balance expires XX/XX/XXXX. The credit was applied to a balance that expires in XX/XX/XXXX - thereby FORCING me to pay more of my balance sooner to avoid interest. Customer Service account manager REFUSES to explain HOW an item purchased XX/XX/XXXX ( A freezer ) that is STILL ON ORDER and NOT DELIVERED has a promotional balance now of {$270.00}. Other items returned and credit of items is incorrectly posting to promotional balances. Customer Service is blaming the actual store for this error, which there is no way a store would know if I had a promotional balance or of what amount at the time of a return. 

WHEN IS SYNCHRONY BANK GOING TO GET FINED AND PUT OUT OF BUSINESS FOR THEIR EGREGIOUS FINANCIAL HANDLING. EVERY XXXX ACCOUNT I HAVE ISSUES WITH IT IS SYNCHRONY. THE CREATIVE FINANCE BANK.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (MD)

I've been trying to get this charged off account removed since XXXX, this account is showing inaccuracies, wrong dates and wrong amounts owed is not matching, this account clearly shows that it's been charged off and debt was sold, this been appearing since XXXX and it's been a nightmare trying to repair my credit just to be financially stable for my family
Consumer complaint received 2023-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

XXXX XXXX XXXX  I mailed a letter to MOHELA about accounts listed on my credit report and I have not received any help or response as of this date. The contents of the letter are as follows : " REQUEST FOR INFORMATION FROM MOHELA I am requesting information for the following accounts : MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX Please provide copies of the following information : All billing statements from the date of account opening A copy of the XXXX cancellation of debt if applicable Date of Last Payment It is my belief that 14 days is a reasonable amount of time to gather this information. I look forward to your complete corporation and compliance. 

Respectfully, XXXX XXXX '' I don't know what else to do or how to get the information as the call center seems to be too overwhelmed or the information is not complete.
Consumer complaint received 2022-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NC)

I made a loan payment of {$800.00} to FedLoan servicing on XX/XX/2022. This payment has been " processing '' since then and my loan servicer is now another provider ( XXXX XXXX I have tried calling and emailing FedLoan and can not get ahold of an agent.
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 status incorrect
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # listed below, has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to provacy. 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. I have the following accounts reporting inaccuracies : 1. 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. 

Hard Inquires 1. XXXX Inquired on XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX. XXXX XXXX  XXXX Inquired on XX/XX/2022 XXXX. XXXX XXXX Inquired XXXX XX/XX/2022
Consumer complaint received 2022-08-24
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. (IL)

I've tried over 5 times to get these people to take these accounts that aren't mine off my reports. My purse was stolen and all my information was taken and used by ppl. I haven't been the same since.
Consumer complaint received 2022-12-30
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. (NY)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2023-03-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY (IN)

The car loan from Wells Fargo. We were never disclosed the interest rate, we were constantly told its only XXXX $ and not told it was 8 % a very high percentage for co-signed loan with credit score above XXXX even though asked multiple times. They kept telling us that it would be nothing big and will be similar to people with similar credit but 8 % is definitely not right. 

I called them and asked if they will reconsider lowering the percentage as we were fooled and would never would have signed such a high percentage if we knew about it. Most companies have 0 % apr on new car but we didnt get it.
Consumer complaint received 2018-11-30
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: SYNCHRONY FINANCIAL (CA)

Hi. I have applied for Care Credit which is a credit card meant to help consumers pay for medical bills. I got approved for Care Credit on XX/XX/2018. Care Credit is by SYNCHRONY. I am using XXXX XXXX  to monitor my credit score and when I applied for Care Credit, I received a notification that my credit score went down due to a hard inquiry. I did not check details as I knew it was due to me being approved for a {$5000.00} credit limit by CARE CREDIT. 

Today is XX/XX/2018 and just a few minutes ago, I am SHOCKED that XXXX XXXX reported that my credit score went down again. I checked what may have caused this and now it shows I have 2 HARD INQUIRIES from XX/XX/XXXX ( by something called SYNCB ) and XX/XX/XXXX ( by SYNCHRONY ). I have checked XXXX XXXX FAQs and found out that SYNCB does not even exist and it is an issue consumers encounter when applying for/getting approved for CARE CREDIT.

I am seeking help to REMOVE SYNCB 's hard inquiry. It shows as " SYNCB ''  and it says it's " NATIONAL CREDIT CARDS/XXXX ''. This is an error and I did not approve nor did I start this hard inquiry. I only applied for CARE CREDIT by SYNCHRONY. 

Please advise. 

Thank you.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AVANTE (SC)

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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX account # XXXX, 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (MA)

Goldman Sachs has on 3 separate occasions taken withdrawals out of my checking account for what are for myself large sums of money. 


Customer service has not been helpful in resolving the issue. These unauthorized transactions have caused my account to be overdrawn and I have incurred fees from my bank.
Consumer complaint received 2022-12-07
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. (KS)

XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information An other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-01-29
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)

this XXXX XXXX XXXX account is attempting to claim that i owe {$14000.00} debt that i have never even heard of. this account has been furnished on my credit file without my authorization. i XXXX XXXX XXXX have never signed any contract or attended any XXXX XXXX XXXX purchase. i have never given XXXX XXXX XXXX authorization to create an account and start billing me for i have never utilized any services or accomodations by this company and i need this account to be removed from my credit file immediately. i contacted westgate resort and they told me i needed to contact the credit reporting agency to handle it they can not do anything to verify that the debt belongs to me. being that i did not authorize or use this service i do not authroize this to be reported on m credit file as an account that i agreed on because i didn't. this debt needs to be investigated and removed for fraudulent activity. 

based on Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) you where supposed to XXXX report the results of the investigation to the consumer reporting agency ; i never gotten any verification that this debt is accurate and belongs to me so the result of that action not taken place being that i have not been provided with proof or evidence that the debt belongs to me then XXXX if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do XXXX of the following : a. modify the item of information. 
b. delete the item of information. 
c. permanently block the reporting of that item of information. 

update my credit file immediately
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

Complaint # XXXX. 
Equifax still has not removed a identity theft inquiry from my report : XXXX. I have provided all the documents per your request multiple times. 

Compliant # XXXX. 
Equifax is reporting two Accounts on my credit report that do not Have account names and they do not have the original creditors names. 

And both bogus accounts do not have any other required information and this is damaging me! 

Remove these two accounts and receive that identity theft account at once! 

And you are listing the two accounts as the same account number!!!
Consumer complaint received 2022-12-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (TX)

I purchased this car in XXXX and have been paying up until XX/XX/XXXX. That is 8 yrs and 2 months. More than my original loan term which would have included the deferred payments aswell. On my account and reps told me I had paid off. Then all of a sudden they wont release my lien and add an additional XXXX in fees. This is not okay and they should actually owe me money back I paid over XXXX. Then they try to call and negotiate to XXXX in fees knowing well that I have paid off in full it even showed on the app and now they added it as delinquent. Please help me and have them release my lien as I have paid over what I was suppose to since XXXX
Consumer complaint received 2022-12-30
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. (NJ)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-07
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name and number : XXXXXXXX XXXX XXXXXXXX Account name and number : XXXX XXXX XXXXXXXX, Account name and number : XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (FL)

On XXXX XXXX  I received an email from Ally stating a transaction has been declined due to insufficient funds. The transaction was for {$2700.00} and the only vendor information given was XXXX. I did not recognize the transaction, the amount, or the vendor and therefore immediately called the bank to instruct them that the transaction was fraudulent, should be blocked if it reoccurs, and that we should take proactive steps to ensure that the integrity of my account information hasnt been compromised. When speaking with the company they confirmed that there was no record of the attempted transaction, the subsequent decline, or the email communication sent to me thus leading me to the only rational conclusion that the email was fraudulent and that no such attempted transaction has occurred considering neither I nor the bank recognized the transaction. No action was taken by the bank to further protect my account or funds. On XXXX XXXX, I received an additional email and has the exact same experience when speaking with the bank. On XXXX XXXX I checked my account and saw that the exact amount of funds had in fact been withdrawn from my account via ACH. The banks failure to assist me with my two previous request resulted in the loss of funds from my account. This couldve been prevented if the banks customer service representatives had been able view the declined transaction the two previous times it was attempted and had assisted me as requested by either blocking any future similar attempts or changing my account number/debit card number to one that was no longer compromised. This loss of funds from my account at month end caused me to be unable to pay my mortgage and credit card bills this resulting in monetary penalties and fees as well as severe emotional distress.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

XXXX XXXX or XXXX XXXX is breaking the laws. First of all the same loan is listed twice. Secondly they repossessed the car I gave it back voluntarily. They came to the XXXX  I was at asked me where it was. I told them. They then sold it and never notified me about it which they are supposed to by law. Then took the money and sued me for it. This is illegal in so many ways I was in XXXX