davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (IL)

I am completely disappointed with the Goldman Sachs AppleCard. I will not be using this card anymore because communication has been difficult, customer service skills are lacking, and it is taking too long to get to the bottom of an issue that should have been resolved two months ago. I purchased two XXXX via phone with the XXXX on XX/XX/2022. The phones were suppose to arrive to me on XX/XX/XXXX but I never received them. I contacted the XXXX via phone on XX/XX/XXXX and they cancelled both phones. I thought my card would be credited after they cancelled my order but it wasn't. I called the AppleCard on XX/XX/XXXX to dispute the two charges that was still on my card. One charge was successfully disputed but the other charge is still unresolved. I have made three calls the XXXX & Applecard and I haven't had any success resolving anything and i have been told a bunch of different things which do not all add up. Things came to a head when I spent over two hours on the phone on XX/XX/XXXX to try to figure out what I owed because my bill was incorrect. I ultimately tried requesting a Supervisor but I had to deal with at least three over reaching representatives who even made requesting Supervisor difficult. One of them named XXXX demonstrated how she lacked customer service and listening skills when she decided to hold me hostage on the phone listening to dead air and I eventually had to hang up on her and get someone professional to help me get to a Supervisor. I still don't have anything resolved. The Supervisors I spoke to was not even sure how to assist me with the issue leaving me disappointed and frustrated with the AppleCard. I do not know why one dispute was resolved and why the other one is still ongoing and why I can not get any answers more than thirty days after disputing the items. Why did I have to dispute them when the transactions were cancelled. Anyway this has been XXXX dealing with XXXX and I need a leader at Goldman Sachs to step up and resolve this because this should have been a simple matter to resolve.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc (CA)

Checkr background check Verify My information isn't correct at all, and this lead to I can not work for any transportation services, I request from Checkr company to investigate and remove this error from my driving history record, but Checkr background does not fix this problem till now
Consumer complaint received 2022-06-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Upgrade, Inc. (VA)

I clicked on an offer via XXXX with the stated terms : Earn a {$400.00} bonus on your Upgrade card after opening a Rewards Checking account and making 3 debit card transactions within 60 days.

Also : To qualify for the {$400.00} welcome bonus, you must open and fund a new Upgrade Rewards Checking Account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus credit will be posted to your Upgrade card as a rewards credit within 1-2 billing periods following the third debit transaction on your Rewards Checking account. Your Upgrade card must be in good standing to receive bonus. 
On XX/XX/2022 I applied for this offer and the accounts were opened soon after. On XX/XX/2022 I funded the Upgrade Rewards Checking account. On XX/XX/2022, I made 3 debit card transactions from my Upgrade Rewards Checking account. I repeated the funding steps and 3 debits again at the end of XXXX ( not required ) to be certain the terms were again met. As of today XX/XX/2022, I have not received the {$400.00} bonus. After calling several times over the past weeks, I was assured that I had met the terms of the offer but that I needed to wait until 1 then 2 billing cycles have passed. On XX/XX/2022, I called again and was told that the Rewards Checking account " does not have billing cycles '' and that I will need to make purchases using my Upgrade Card ( line of credit ) in order to receive the {$400.00} bonus some time within 1-2 billing cycles of making 3 debit transactions on that card. NOWHERE in the terms of the offer does it mention using the Upgrade Card to satisfy the terms of this offer. I asked for a supervisor and was told that someone would call me back within 24-48 hours. I never heard back from them.
Consumer complaint received 2022-10-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (OH)

I was a victim of a scam. I attempted to explain this to the card company before the payments were behind and the were rude, non-believers, and made fun of the situation. Now I am getting an extreme number of calls from them, over 50 so far just this month. It's XXXX XXXX  and they've already called 4 times today. I feel completely and totally harassed by them and they are causing me extreme XXXX.
Consumer complaint received 2019-11-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (NC)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DISCOVER PERSONAL has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2021-12-21
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. (TN)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-04-15
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: JPMORGAN CHASE & CO. (TX)

My boyfriend who lives with me had a friend who introduced me to XXXX XXXX who owns XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX in XXXX, Texas. XXXX told me he was a prior accountant and very knowledgeable about PPP loans and would help me fill mine out. I emailed him my social and banking information onXX/XX/2021 he asked for and he filed the loan and then changed all my passwords and opened lines of credit without my concent, and I am still in the process of fixing it as we speak. He even filed for unemployment and made a pin and added his banking info so that my unemployment claims go to his account. I called chase snd reported all these fraud charges onXX/XX/21 on my business chase account as well as personal accounts. I am supposed to call them back this morning and review the charges again and take further action. I was awarded {$28000.00} by funding circle for the PPP loan but he changed the login information and I believe funding company so that he would recieve my PPP loan. I filed a police report onXX/XX/21 by the XXXX Police Department for fraud against this person. I can provide Incident number snd all information for the report when someone contacts me.
Consumer complaint received 2022-06-03
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. (IN)

Hello, My name Is XXXX XXXX and I am filing a complaint against XXXX for committing identity theft & Fraud. I have never given XXXX permission to use any of my identifying information. They continue to ignore my correspondence. 

According to the FCRA, in order for to furnish the alleged US BANKRUPTCY COURT XXXX would need to be able to both VALIDATE and VERIFY the information with original creditor. US IN Bankruptcy Court has also assured me it is not within their policies or obligation to validate any public records via Mail please see attached documents. 

Also Refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give XXXX neither direct nor indirect permission to furnish my information. 

If this documentary evidence can not be produced of how my information was verified & validated. I will file for litigation for actual damages caused and XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. I will also be filing a complaint with the FTC. Your prompt attention and response are both requested and required.
Consumer complaint received 2019-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (FL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2022-06-03
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. (VA)

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX,, Balance : {$980.00} ), XXXX XXXX A ( Date Opened : XXXX XXXX, XXXX Balance : {$940.00} ), XXXX XXXX XXXX ( Opened XXXX  XXXX, XXXX, Credit limit {$500.00} ), XXXX ( XXXX XXXX XXXX, XXXX, Credit limit {$1500.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-10-17
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. (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do.

I wrote to them on the following dates : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (FL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2022-10-17
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (FL)

Good day, I would like to dispute an account which have been affecting me. I rented out a house in XXXX XXXX XXXX  through a company name XXXX XXXX XXXX XXXX. This company is falsely charging me for {$5900.00} for damages to the house which is not true. I left the house in the condition I rented it out. The house have genereal wear and tear which I the property management responsibility. I have been a good tenant and paid on time every month. I can't believe they are trying to overcharge me. It was cleaned and no furniture or anthing was left behind. This company is trying to claim I owe which is false information. 

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
Consumer complaint received 2019-11-03
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: BARCLAYS BANK DELAWARE (IN)

1. On or about XX/XX/XXXX, I agreed to pay XXXX for their Diamond Package, charging to my Barclaycard {$13000.00}. 
2. XXXX did not deliver the products and services they contractually committed to. 
3. I attempted to resolve the issue with XXXX  via phones, email, and websites over the course of 6 months. 
4. On or about XX/XX/XXXX I discovered phones, email and websites were shut down by the FTC. 
5. XXXX was closed by the Federal Trade Commission ( FTC ) on XX/XX/XXXX. 
6. On or about XX/XX/XXXX, I asked Barclays card to step in and help resolve the non-receipt of goods and services issue with XXXX  7. On or about XX/XX/XXXX I provided Barclaycard over 50 pages of detail supporting XXXX XXXX non-delivery of agreed-upon products and services 7.5. On or about XX/XX/XXXX Barclaycard assigned a Claim ID XXXX. 
8. Since XX/XX/XXXX I have communicated with Barclaycard numerous times both in writing and responses to calling service agents. 
9. On or about XX/XX/XXXX I provided Barclays an additional package of over 50 pages of detail supporting XXXX XXXX non-delivery of agreed-upon products and services. 
10. I specifically asked Barclaycard for their protection under The Fair Credit Billing Act and I have been completely ignored. 
11. I continue to receive harassing calls and false statements. 
12. On or about XX/XX/XXXX, I wrote to Barclays requesting an immediate resolution of this matter and to cease harassing phone calls and emails.
Consumer complaint received 2019-11-03
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: LEXISNEXIS (PA)

US Bankruptcy court has placed negative item on credit file. Bankruptcy was discharged in XX/XX/XXXX, not XX/XX/XXXX Bankruptcy has been re-aged.
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 — Personal information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

My name is XXXX XXXX, my date of birth is XX/XX/1999, my credit reports for XXXX, XXXX, and XXXX show differently. In addition, there were several accounts opened before I was and adult and they should be removed. These accounts are in collections with XXXX XXXX  XXXXXXXX XXXX, Portfolio Recovery. I never charged anything on those accounts. I would like them removed and my birthdate corrected.
Consumer complaint received 2022-10-17
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. (NY)

I have submitted disputes and the company has still not removed this information. I received a letter from Equifax dated XX/XX/2022 stating that they have verified this alleged Bankruptcy with XXXX XXXX. Meanwhile I recived a letter from XXXX XXXX on XX/XX/2022 stating that this Alleged Bankruptcy has been removed due to incorrect information. Therefore it is impossible for Equifax to have verified this Account with XXXX XXXX if XXXX XXXX has already removed it!! Equifax is now in violation of several consumer laws! I did not receive a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) E ) states : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Also 15 USC 1681s-2 ( A ) ( 1 ) states : 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 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

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

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

15 USC 166B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-03
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 (MD)

Discover Card I have disputed two charges in the {$300.00} range to my credit card account in the last year and no matter my argument about the charges they always side with merchants. It seems odd to me that they always side with the merchants because other credit card companies tend to agree with the customers if there are charge disputes.
Consumer complaint received 2022-10-17
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: TRANSWORLD SYSTEMS INC (TX)

Someone used my personal information to rent an apartment at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX on XX/XX/XXXX left XX/XX/XXXX I came to learn this after i found a collection on my credit report.
Consumer complaint received 2016-12-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

I have requested that Experian remove items from my credit report that are included in my Chapter XXXX bankruptcy ; these ( 4 ) accounts are listed separately as " negative accounts '' : XXXX ( $ XXXX- {$710.00} ) ; XXXX ; XXXX XXXX ; XXXX . I have provided copies of my Chapter XXXX Schedules XXXX several times, and separately for each of these items ( as required by Experian ). I 've also requested that Experian investigate and provide proof of a fifth " negative account '' : XXXX ( {$100.00} ), or remove it from my credit report. Experian simply refuses to do so, however, XXXX and XXXX have both removed these accounts from my credit reports.
Consumer complaint received 2022-06-03
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. (MA)

XXXX XXXX  continues to review and monitor my credit when I do not have any open credit accounts with this bank. This company continues to violate my right as a consumer to privacy of my personal information. I have continuously written letters to each of the three consumer reporting agencies to making them aware of synchrony banks improper use of the credit report. XXXX, Equifax, and XXXX have a duty to protect consumers and they have shown to be negligent in their handling of this issue.
Consumer complaint received 2019-11-04
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. (TX)

I applied for low income apartments and they sent me a letter statement saying they couldnt approve me because of something with my credit report so Im trying to find out what happened.