davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (TX)

My SSN and credit profile was released by XXXX companies. I checked my credit report and I have a number of inquiries that are not mine. I have called the companies and they say I must dispute with the bureau. I contacted the bureaus and they say I must make a report with your agency.
Consumer complaint received 2021-09-08
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (NV)

Opened an Amazon secured credit card. I contacted Syncrony Bank asking for the account to be closed security deposit be closed and paid the balance. To date account has not had the deposit applied so that Syncrony Bsnk can charge me a late fee.
Consumer complaint received 2022-10-13
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: U.S. BANCORP (KS)

While on vacation, I booked a rental car through XXXX with XXXX on XX/XX/2022. When we picked up the rental on XX/XX/XXXX, XXXX gave us an invoice for {$490.00}. I signed for this amount with the understanding that XXXX would temporary place a hold on our credit card for a security deposit in the amount of {$200.00} ( plus a deficiency in the payment voucher from XXXX of {$8.00} for a total of {$200.00} ). The security deposit would not be charged against our account if we returned the vehicle. We returned the vehicle on time XX/XX/XXXX. On XX/XX/2022, XXXX charged my credit card {$100.00}. On the same date, XXXX emailed us a new invoice ( which did not contain my electronic signature ). The new invoice included all the same line items except a new line item " O5 '' in the amount of {$82.00} plus additional taxes in the amount of {$13.00} ( the tax amount increased from {$47.00} on the original invoice to {$61.00} on the new invoice ). I contacted XXXX but did not receive a satisfactory response about the charges. I contacted my credit card company, U.S. Bank, to dispute the additional charges. The credit card company sent my a dispute form, which I completed and returned on XX/XX/XXXX along with a letter detailing the history of the transaction with XXXX. Periodically, U.S. Bank sent text messages telling me that the bank was investigating my dispute. They forwarded me XXXX 's response, which did not explain the O5 charge. I responded. On XX/XX/2022, U.S. Bank sent me a letter, denying relief on the disputed charges. The letter stated : " After reviewing the information that has been supplied, we have determined that we are unable to assist you in resolving your dispute. We have determined the disputed transaction is a difference in pricing rather than an incorrect transaction billed to your account. Unfortunately, the price was not provided in writing prior to the transaction being processed. '' I did not find this explanation satisfactory, so I contacted U.S. Bank customer service. On the morning of XX/XX/XXXX, XXXX from the fraud investigation department of U.S. Bank returned my call. According to him, the bank was denying my claim because I authorized the transaction even though I had not authorized the amount charged to my account. I analogized the situation to a restaurant transaction where a server charges a higher tip than authorized, but XXXX said the bank could not help me. I feel that U.S. Bank is being complicit in the fraud that XXXX has committed against me by charging a different amount than I authorized at the time of the transaction. A review of the two invoices makes it obvious. The fraud investigation department of U.S. Bank appears incompetent at its job or willingly overlooking the fraud perpetrated by XXXX.
Consumer complaint received 2021-09-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Grain Technology, Inc. (MI)

On XXXX XXXX I was going to start a cd account with grain credit! I changed my mind and requested my {$150.00} security deposit back on XXXX XXXX. I requested to cancel the security deposit and close account after it cleared from my bank on XXXX XXXX! When I emailed them they canceled my security deposit to be re directly deposit into my account! Ive contacted grain via support, email, phone, and I also left a bad review on the App Store! On XXXX XXXX they took out {$150.00}! After I had contacted them through support! On XXXX XXXX I filed a dispute with my bank! On XXXX XXXX I sent request through support page on grain again to cancel my account and return my funds! So Ive tried calling its say no representative is available! Ive called all day still no luck! On XXXX XXXX I sent another email still no response! Ive sent emails through support constantly everyday to grain support known as trygrain! Still no success on XXXX XXXX grain responded through email I will have expedite your request! No luck Im still waiting on my money for my security deposit that grain technology took out my account! Still no luck! Its XXXX XXXX and yet Im still short my {$150.00} security deposit! I have been sending support team emails since XXXX! Today is XXXX XXXX and I contacted my bank and they denied my claim! I logged on to grain its a whole different limit with another XXXX security deposit that they want me to pay to fully use the account! No I want my {$150.00} deposit back! Grain is a scam I want my money! What are my next steps into getting my money!
Consumer complaint received 2021-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (NY)

To whom it may concern : ( Regarding : Goldman Sachs Apple Pay scam ) Dear Sir/Madam : I have an Apple Pay account which is custodially managed by Goldman Sachs. 
As of today XX/XX/2021, my official and current balance for my Apple pay account is exactly {$.00}. 
Today XX/XX/2021 XXXX I saw a payment from my bank checking account toward my Apple pay account for {$1200.00} which I did not authorized. 
I used the Apple Pay app to Report a problem with todays {$1200.00} payment which connected me via Chat to a rep that might have been oversees. 
The representative was not helpful ; the individual didnt notice or didnt care my balance was only {$.00} which I pay monthly for Apple XXXX storage. The individual didnt notice not only was this transaction attempting to remove {$1200.00} from my bank checking account but it also simultaneously gave me a false balance on my Apple pay account of owing the same {$1200.00} to Apple. Which basically Goldman Sachs is attempting to fraudulently steal {$2500.00} from me. 
The individual only help was that I must have signed up for automatic payments ( which I did not, I had removed automatic payment, but Goldman Sachs erroneously reinstated it. ) then the individual provided a paragraph of legal language and asked me to agree to it so he/she can remove the transaction. I told the individual via chat I agree Goldman Sachs is fraudulently attempting to remove {$1200.00} from my bank account while simultaneously giving me a balance of {$1200.00} on my Apple pay account. The individual refused addressing the issue and only repeated he/she only wanted to confirm I Agree which I did not confirm. I only repeated what I previously stated. I agree Goldman Sachs is fraudulently attempting to remove {$1200.00} from my bank account while simultaneously giving me an erroneous balance of {$1200.00} on my Apple pay account. 
The individual continued to insist that I agree at which point I decided to not response anymore. 
The cause of this issue is Goldman Sachs makes it extremely difficult for consumers to pay off their Apple Pay debts quickly. The payment structure attempts to tie consumers to automatic recurring payments and does not allow consumers to make one-time/one-off payments. Without the recurring payments it obviously prevents Goldman from collecting massive interests if consumer defaults or have some other issue. Please help STOP this Scam from Goldman Sachs against consumers. I am now unable to pay my {$.00} cent balance because their system is saying I paid {$1200.00} so by the time this is fixed I would have not been allowed to pay my real balance of {$.00} cent and this will effectively put me in default which they will then have their way in sabotaging my credit.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY (SC)

Today is XXXX XXXX. I checked my credit score on Wells Fargos banking website. Wells Fargo uses XXXX  and XXXX XXXX Wells Fargos credit score is not the same as my XXXX credit score on XXXX website. XXXX is using XXXX XXXX as well. I have attached both websites to show proof that the credit scores are not the same. The fair credit reporting act law states that all consumer credit reports and scores MUST be accurate. Why is Wells Fargo not reporting the same XXXX XXXX score as XXXX???
Consumer complaint received 2022-10-26
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)

My name is XXXX XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB on XX/XX/XXXX, that 3 Credit Bureaus closed my complaint to protect my PRIVACY. I called the 3 Credit Bureaus after I purchased a credit report from XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were : XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX Balance : {$6200.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. 
on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information.
Consumer complaint received 2021-03-13
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: DISCOVER BANK (SC)

On XX/XX/2020 I attempted to use my Discover card and it declined. I assumed this was because I was in a different city shopping for my daugher 's birthday about an hour from home. What really was going on is that someone hacked my Discover account online, changed my address and contact information, and requested a new card be delivered to associated address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 

This is not my address and I do not have any affiliates with anyone in OH. My credit report reflects on XX/XX/2020 this address as an associated address and I would like it removed. I would also like any inquiries or charges around this time removed as well as it does not belong to me. I did report this issue to Discover.
Consumer complaint received 2021-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I opened my new Citi Checking and Saving account on XXXX with promotion offer ( Deposit {$15000.00} or more New-to-Citi funds and keep 60 days to receive {$300.00} new account bonus ). 

I finished all terms by XXXX but never receive my {$300.00} bonus until I submit inquiry to Citi on XXXX. Citi responded in letter that partial of my {$15000.00} deposit is from XXXX Credits are not considered a qualifying deposit. 
The explanations from Citi is totally not acceptable. First of all, their terms only states deposit {$15000.00} or more of New-To-Citi funds. My XXXX transfer is from XXXX XXXX, which is definitely a New-To-Citi Deposit funds. Secondly, their terms never mentioned to exclude the instant deposit like XXXX from New-To-Citi deposit activities. 

Citi should honor my bonus and deposit to my account right away.
Consumer complaint received 2021-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CT)

Macys signed me up for a credit life insurance with a company called credit pro. I did not give consent. I am billed up {$23.00} per month. The amount fluctuates depending on your balance. I have been billed for this fee over over a year. It could be more but I dont have access to older statements. I need them to reimburse me for all the fees. This transaction was fraudulent and was not approved by me.
Consumer complaint received 2021-09-08
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: LJ Ross Associates (CA)

I created an account to monitor my credit and see a collection from LJ ROSS still reporting, which has dropped my scores significantly. I addressed this collection with the understanding it was going to be deleted from the credit bureaus, which I see it was not. My frustration with this collection is that I was never advised I had the ability to dispute the collection. Due to this, I did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive any notifications of this option. I would like this collection removed from my credit due to erroneous collection practices. 



Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-09-08
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: DISCOVER BANK (TX)

We dropped a vehicle off at a repair shop. The employee who took the car in did not say anything in writing or verbally about a diagnostic fee. When we picked the car up the shop added {$75.00} to the bill for a diagnostic fee. This came as a total surprise as it was not disclosed. The owner refused to remove the charge from my invoice so I disputed the charge through Discover Card. The merchant provided an invoice and statement that effectively said their terms and conditions provide for a diagnostic fee, so Discover disallowed my dispute on XX/XX/2021. I disagree with Discover 's decision because the merchant did not provide documentation to prove that they disclosed the fee to me. General terms and conditions that were not provided is not proof that the charge is valid. The charge is invalid because it wasn't disclosed before the work was done and we didn't have an opportunity to decline it and take our vehicle to a different shop that doesn't impose such fees. The burden should not be on me to know every detail of this businesses terms and conditions when their terms weren't made available or disclosed when we dropped off the vehicle.
Consumer complaint received 2021-09-08
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: EQUIFAX, INC. (VA)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX  on my life.
Consumer complaint received 2021-03-13
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. (TX)

This account is still reporting invalid on my credit report they will not update it with the correct information because its listed as a closed account, when I call and ask them to please correct the invalid information on the closed account they try to tell me that because the account is in a closed status that it doesn't matter about the way it's reporting but yes it does cause its still affecting my scores.
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (MA)

Back on XX/XX/XXXX I spent the better part of the day explaining to the people at One Vanilla-Prepaid Visa Card that I was the recipient of XXXX ( XXXX ) {$500.00} One Vanilla Prepaid Visa Cards as a gift. I used one of the cards in its entirety and used all but {$81.00} of the second card when I lost or misplaced the same. I looked everywhere before calling Visa. I talked several times with Visa Representatives and gave them all the appropriate information to stop any further purchases on the card. The Gift Card No. was # XXXX XXXX XXXX XXXX, XXXX XXXX, Expiration date XX/XX/XXXX. 
The Representative for Vanilla One Visa informed me that I was entitled to a new card with the remaining balance of {$81.00}. They also informed me that I needed to send a photo ID, a bill with my home address on it and anything I had related to the lost card. I sent them the photo ID & redacted bill with my address & told them I had nothing else. They told me I needed to tell them where the card was purchased. Since the card was a gift to me I did not and do not want to call the donor who gave it to me and ask her where she purchased it. They told me without that information they could not process my claim. I think this is unfair and deceptive. They know I lost the card and I have given them all information necessary to provide me with the balance owed. There has been no activity with the card since XXXX or XXXX. 
My case # is XXXX XXXX.
Consumer complaint received 2021-03-13
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. (GA)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP, I will not wait another 69 days to receive no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been 69 days so they should be deleted promptly.
Consumer complaint received 2021-09-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (TX)

Please refer to my previous complaints about Mr. Cooper mortgage like XXXX For more than 1.5 years - my online amortization schedule is not enabled. 
I haven't got the answers to my questions for so many months. 
I asked another question : I want to know the mortgage interest paid by me in XXXX  and XXXX  as the loan got transferred from XXXX to Mr. Cooper. 
But for this basic question also, Mr. Cooper want to have an excuse or delay the response.
Consumer complaint received 2023-03-27
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. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I am writing to dispute a fraudulent account XXXX am a victim of identity theft, and I this is not my account. I am requesting that you investigate this account below. It should not be on my Equifax Report. Please investigate remove this account as soon as possible. In addition, pursuant to..as a victim of identity theft I am requesting that you provide me with copy of my report once this is removed. I am a victim of your data breach in XXXX as well as XXXX data breach. 


Please remove the account below. 
XXXX XXXX XXXX XXXX XXXX This do not belong to me.. 
There is not original creditor on my profile but the account number XXXX ( It says medical but its not specific this is breaking the Hippa Law and this do not belong to me Also I have several unauthorized inquires delete. 
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax
Consumer complaint received 2021-09-08
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. (CA)

I the consumer XXXX XXXX, have been involved in identity theft, who has some items on my report that were as the result of identity theft. I also found out my information was leaked in the Equifax data breach. I keep letting XXXX, XXXX, XXXX, and they keep saying these fraudulent accounts are verified and they can't remove them even after I have submitted an FTC report to show that these accounts were fraudulent and I didn't benfefit nor consent to these accounts or inquiries. These collection accounts never reached out to me before placing these accounts on my account, which violates 15 usc 1692g as they were to write me 5 days before placing them on my report. Please investigate these accounts and block and remove them after confirming they are fraudulent.