davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (NJ)

I have the GM Card, which is a part of Marcus by Goldman Sachs. My most recent invoice closed on XX/XX/22. My total balance was {$4900.00} with a payment due date of XX/XX/22. My total credit limit for this card is {$5000.00}. I proceeded to pay the entire balance ( {$4900.00} ) on my card via ACH from my XXXX XXXX XXXX account with an effective date of XX/XX/22. The payment applied that day and the current balance on the Marcus by Goldman Sachs account website reflected {$0.00}. In addition, my XXXX XXXXXXXX XXXX account website also reflected the dollars having exited that account on XX/XX/22, with my remaining available balance reflecting the absence of those dollars. The main issue I'm having is that when I look at the Marcus by Goldman Sachs website for my GM Card, it showed only {$77.00} of available credit, even though I had a {$0.00} balance and a {$5000.00} credit limit. When I called Marcus by Goldman Sachs on XX/XX/22 aXXXX XXXX XXXX  EST, I spoke to a customer service representative by the name of XXXX, followed by her supervisor, XXXX. They both said it would take 7 days for my available credit to reflect that I had paid my bill. They said there was nothing they could do. I filed a complaint thru the supervisor XXXX and was promised a call back, and never received one. From personal experience, I have multiple credit cards, some of which have credit limits as high as {$40000.00}. Every single time I've paid a balance due, regardless how large or small the payment, the very next day my available credit reflects that fact. At no point was anyone at XXXX by Goldman Sachs able to explain why they're essentially taking a 7 day interest free loan and not reflecting an accurate available credit limit. In addition, upon reviewing their terms and conditions, there is no mention anywhere in the document regarding a lag in updating available credit after a payment is made. Had I known my available credit would not have been updated immediately, I would have never made the payment effective two days after the statement date. This seems like a travesty and a complete abuse of customers regardless whether the payments made were {$50.00} or {$5000.00}.
Consumer complaint received 2023-01-01
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: Affirm Holdings, Inc (GA)

I opened this account on XXXX XXXX, the company told me before I purchased the product that they will report my payments to the credit bureau as long as I make my payments on time. It has been 9 months later and have not reported anything. So, XXXX XXXX I stopped making payments now the company calls, emails me, sending multiple text messages to my phone number on file stating that MY XXXX  PURCHASE HAS BEEN REPORTED DELINQUENT AND MUST BE RESOLVED. AFFIRM is the loan company I've Called on XX/XX/2022 Spoke with XXXX, CASE ID XXXX XXXX, Called again on XX/XX/2022 Spoke with XXXX CASE ID # XXXX, Last time I called was on XX/XX/2022 Spoke with XXXX. They all have told me they will resolve it but never did.
Consumer complaint received 2022-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (IL)

Good afternoon, On the XXXX of XX/XX/2021 I made a purchase from a fraudulent website that advertised BBQ grills ( XXXX XXXX XXXX XXXX for a discounted rate during XXXX XXXX. They provided multiple avenues for payment, but I chose to use my PayPal credit account for the security purposes for {$140.00} USD. After the transaction was made, I noticed that my receipt was issued from a personal email address instead of the company advertised on the website. I immediately called XXXX and expressed that I felt it was a scam and requested for this transaction to be cancelled. I was informed that they could not cancel the transaction, however they would forward over my issue to the dispute department to rectify the situation. I was then provided credit for the transaction while the dispute department continued the investigation. On the XXXX of XXXX I discovered XXXX found this transaction in the sellers favor and informed me that I had been charged for the transaction of {$140.00} USD. I was told that the seller was able to provide a tracking number stating that merchandise had been delivered to my residence, therefore they ruled in the sellers favor. After speaking to multiple representatives on multiple occasions, I finally realized that I needed help with rectifying this issue. There were multiple red flags during this transaction that I felt XXXX should have been able to recognized to show this was a scam, and I was being honest with my dispute. I'm almost 100 percent confident that XXXX is not advocating for it's consumers as advertised. 

1. The Seller never indicated what was supposed to be delivered. The receipt states GENERAL MERCHANDISE, which is a RED FLAG. 
2. The Seller used 2 different email addresses during this transaction and dispute, when XXXX accounts are only supposed to be associated with 1 ( attached ). 
3. The fake tracking number that was provided states it was 2LBS, this was a website selling grills which would be much heavier than 2 lbs. 
4. Also, after continuously searching for help, I discovered an online thread that indicates that this is huge problem that facilitates around the way XXXX not protecting its customers. Ive attached the thread to this email. ( https : XXXX ) I am respectfully requesting your assistance in this matter. Unfortunately I have not been able received any assistance from XXXX or its representatives. 
Thank you in advance,
Consumer complaint received 2023-01-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Solar Mosaic LLC (GA)

It starts with Solar XXXX XXXX. They initiated the process of selling me solar panels. They put them on my roof but never set it up properly. They won't fix it, employ unqualified people, and it's been several months. 
Mosaic is the loan company trying to charge me {$26000.00} for the loan while I haven't recieved what was promised. 
Mosaic has notified XXXX XXXX debt collectors that I haven't made any payments and will IMPACT MY CREDIT. On what planet is it okay to put a decoration on someone's roof for XXXX? Thats what the solar panels are if they aren't functional. I talked to the solar XXXX XXXX workers, I am not the only person. They said some people have been waiting 8+months for an install. 
This can not be allowed to continue. Solar XXXX XXXX and mosaic are scamming people that want to better the environment by switching to solar.
Consumer complaint received 2022-08-24
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXXXXXX 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 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 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 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 and XXXX have violated my rights .

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-31
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. (NC)

These collection accounts being furnished and reported by XXXX XXXX XXXX are hereby reported as fraudulent accounts to the FTC and the NC Department of Justice Law Enforcement Fraud Investigators. 

XXXX XXXX XXXX are fraudulent and have been actively furnished unlawfully by XXXX XXXX XXXX. 

Remove immediately! 

The collections accounts being reported to the credit bureaus, after XXXX plus disputes, and laws violated against me were never investigated properly nor were the accounts ever validated properly even when an attempt of validation was sent to me XXXX years after the credit bureaus unlawfully allowed these collections to stay on my credit files even after XXXX plus complaints filed with you and over XXXX complaints to the CFPB in numerous times asking for validation of these collections and a statement of what services that I had allegedly received in XXXX  to warrant these claims by XXXX XXXX XXXX giving you all as a whole numerous times to take take appropriate action per U.S. laws and state laws and i continue to contend i have no knowledge of these two debts that this rogue lawless collection agency has furnished derogatory information and never once after XXXX plus companions properly or successfully provided any documentation to me that is required by law and have put themselves in great legal peril because their actions have been unlawful and the Equifax, XXXX, and XXXX will be held legally accountable once I have my day in court with this out of control collection agency that has demonstrated deception trade practices at a whole new high according to law enforcement officials i have spoken to. 

Furthermore, these two collections are unlawful and you all are liable for your actions.
Consumer complaint received 2022-12-31
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (AZ)

in my Paypal credit i have a Case opened with them XXXX XXXX XXXXXXXX for a purchase from XXXX where the seller has send me a XXXX phone which wasn't authentic and that's why i opened the case with paypal - resolutions center and based on the email received from paypal they asked me to send the product back to the seller which i very much did. Now that product shows very much delivered back to the seller via XXXX but now paypal says that they are denying my claim only because i di n't selected a XXXX which took the signature of the person as this was more then a XXXX $ product value. common still it's not the thing that i haven't selected that sort of XXXX i am penalized and ask to pay the amount despite of sending the faulty product back to the seller. it is very much evident from the USPS tracking that the seller has very much got the product back and i am not liable to pay any sort of money for this at all. Which i am very much not doing so even paypal or XXXX are not able to resolve this. I am going to file a lawsuit against them or they can send me " IN WRITING '' confirming that their seller has not got this back and then i can even go ahead and initate a police complaint and ask a XXXX XXXX XXXXXXXX XXXX inspector to step in and investigate the matter of fact that their seller is lying  ok. I am very much positive and confident because that seller has even listed that phone send back on his XXXX listing page which i very much saw as well. So this is going to be a very tough claim for giants like paypal and XXXX to fight for if i am initiating this as a legal way to sort then. One last time i am trying to approach them via this Consumer complaint to see if this can be sorted " out of court '' then.
Consumer complaint received 2022-12-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Grain Technology, Inc. (MO)

Grain Technology located at XXXX XXXX XXXX XXXX XXXX XXXX, CA has reported a delinquent account and a new charge-off that has been furnished on my consumer report. Pursuant to 15 USC 1681a ( 2 ) a consumer report does not include any report containing information solely as to XXXX  or XXXX  between the consumer and the person making the report. Grain Technology is in violation of this constitutional rule by reporting the aforementioned allegations against me, thus leaving my consumer report vulnerable to negative adverse actions.
Consumer complaint received 2022-09-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (MA)

On XX/XX/XXXX I paid the state excise tax to the town of XXXX, MA in the amount of {$180.00} for my leased XXXX XXXX XXXX. Eleven days later, on XX/XX/XXXX, I leased a new XXXX XXXX XXXX. As such I have requested several times for an abatement from Kia Finance America as I paid the tax for the year on a car I only had for 11 more days. I have been calling and writing Kia Finance America since XX/XX/XXXX. I have mailed them, as they requested, a letter outlining what I summarized above along with a copy of my registration of my new XXXX lease which shows I transferred my MA plates from the XXXX XXXX to my XXXX XXXX on XX/XX/XXXX. I mailed this on XX/XX/XXXX and I again mailed this certified mail on XX/XX/XXXX. When calling to follow up on this, both times, Kia told me they never received it, either time. Following up, I made repeated calls to Kia, most recently, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX I received a call back from a XXXX XXXX XXXX who again told me to send a copy of my current registration. I emailed this to her on XX/XX/XXXX. On XX/XX/XXXX I have again called Kia to confirm receipt of this email. I was again told that they never received anything from me. I spoke with a XXXX in escalation who offered only that I need to re-send my registration, this time by fax. I have called numerous times, sent my registration twice, and am still no closer to obtaining my excise tax refund from Kia Finance America.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CT)

NAVIENT is still reporting inaccurate and unverified late payment information to the Credit Reporting Agencies. I have tried several times reaching out directly to them without success. I demanded as a consumer that pursuant to 15 USC 1666b under the FCRA they can not report late payments to my consumer reports but they are above the law I believe. The refused to prove I was ever late and still haven't removed these late payments.
Consumer complaint received 2022-09-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV INC. (CA)

On XXXX our business processed a credit card transaction in the amount of {$29000.00} for flooring laminate. Transactions normally gets deposited into our business account within 2 business days. We processed this transaction XXXX contact chip which is clearly in the guidelines described as a protected means of processing XXXX XXXX we received a call from the First Data Risk Department after asking a few questions and them requesting bank financials as well as invoices for this transaction and after review we were instructed that the funds would be released.On XXXX we received yet another call from the risk department stating that they did not feel comfortable with the transaction and they were asking us to refund us.We Cleary stipulated that the sale was done and the merchandise was picked up by customer.We have used First Data for over 3 years and we have done hundreds of transactions this is a very unprofessional manner in which they are conducting business.We will not process a refund and we reserve our rights for further litigation if these funds are not credited to our bank account.
Consumer complaint received 2023-03-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (MS)

XXXX XXXX XXXX closed suddenly with no warnings to their customers. The leases were sold to another company. Westlake Portfolio LLC is who now owns my lease. I have not received any contractual information from this company. Although, Westlake did send a link to continue to pay for the vehicle. Ive called several times to have the contract information sent to me. On each occasion Ive been told something different by Westlake. The last call someone said give them between 7-10 days to have this information. It has now been well over 15 days since Westlake took over and they still have not sent me a contract or any other legal documents for my car.
Consumer complaint received 2022-12-31
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. (PA)

XXXX XXXX, I have been a victim of identity theft. A XXXX  XXXX XXXX account was created using my information. I contacted XXXX and they resolved this issue. I was told my social security number was used to create the account, which forced me to do a deep dive into my credit report. I requested an investigation with the credit bureau because XXXX  XXXX was my original student loan, that was combined and transferred to another agency. All three credit bureau 's are reporting inconsistent credit limits, high credit, and dates of last payment. I believe the credit bureau failed to properly update and validate my debt after an investigation. All three credit bureau 's are reporting different information. It is unfair that there are so many inconsistencies on my report.
Consumer complaint received 2022-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (ME)

On XX/XX/2022 I discovered a new Chase credit carded had been opened in my name. I called immediately and shut the card down. Then on XX/XX/XXXX I noticed my packages I was expecting for XXXX from XXXX and XXXX other company were not arriving and the tracking status said it was being rerouted to XXXX NC. I went to my local post office and appears I'm also a victim of mail fraud. I've reported this to the XXXX and have a case open with no resolution.
Consumer complaint received 2022-12-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (TX)

Rocket Mortgage is absolutely a deceptive company and purposely misleads you, more so they try to hold on to your money as long as they can. 

I have now called over 4 times the last 2 weeks to get the escrow refund that I am due from taxes. I request this refund 2 months prior when the tax payment was provided and was told I would have to wait until they paid the tax bill to receive not the refund of the escrow I was requesting but an analysis which would have an effect on my monthly payment ( nit hat I was asking for ) This is not what I requested, I only wanted the tax payment made and the overage returned. I started requesting this in XXXX when my tax bill was out and Rocket would not make the payment until XXXX, how is this okay? 

I was told on various these calls : I would need to call back after the payment was made It would take a week to do the analysis to then be able to receive the overage The analysis would be completed on XX/XX/XXXX It would take up to 10 days to do the analysis The analysis would be completed on XX/XX/XXXX The analysis would be completed on XX/XX/XXXX and the XX/XX/XXXX would be the posting date I spoke to the XXXX office a few times to no avail. 

It is XX/XX/XXXX and I have not received any completion information, or the refund notice.
Consumer complaint received 2022-08-24
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: EQUIFAX, INC. (NV)

On XX/XX/2022 at XXXX XXXX, I logged into www.myequifax.com to view my credit report. I noticed that my credit report and freezing/unfreezing of my account were unavailable for viewing. I called in on XX/XX/2022 and was told that I need to fax over my driver 's license and social security card in order to view my credit report. I found that was odd ; when I'd reviewed my report on XX/XX/2022 without issue. However, I faxed the requested information over to XXXX. I was told to wait 24-48 hours to have it updated. On XX/XX/2022 I logged into myequifax.com and I was able to see the outdated addresses listed and started disputing for removal. Some of the addresses listed, I was unable to remove and given a phone number to call. I called in and spoke with a guy that stated he removed the 3 addresses. I waited several and logged back in and now I was back to square one, where I'm unable to view anything. Called back and advised the rep what was going on. She stated that when documents are faxed it takes up to 5 business days to be processed, not 24-48 hours. Fine! I was given the option to send her my driver 's license and social security card, via email. She then stated that my account has be verified and that I can now login and view my credit report. That was not the case! I advised her that I'm still getting the same errors as before. The rep advised that I wait maybe a few hours. Needless to say, today is XX/XX/2022 and... Nothing! 

Lastly, I have no problems viewing my reports from XXXX and XXXX. Even attempted XXXX to get Equifax, the message states to directly contact the bureau.
Consumer complaint received 2022-12-31
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)

In Accordance with The Fair Credit Reporting Act 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 XXXXt Acts 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.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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  In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.