davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (DC)

XXXX in error overpaid my Apple Credit card by Goldman Sachs XXXX purchases declined from this day forward Inquiry revealed that the funds were held in escrow until XX/XX/2022 because I made an unsolicited payment ahead of XXXX that was returned from the bank as insufficient funds. 

What the unsolicited payment has to do with the later overpayment I dont know. This has resulted in every automatic payment being declined and no subsequent deposit will be credited to offset the money in escrow. 

Bottom line, the bank is holding MY MONEY. The total due and limit is one thing as that is their money. But the amount difference is MY MONEY. I tried to handle by phone, by supervisory channel and nothing worked. Whats the fine print on this?
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: MyScore LLC (GA)

I was already signed up with this company, and I was paying one fee. I was supposed to be signing my clients up through this monitoring company, and I was misled. I was told to sign up for one dollar to see how the system works. I said I knew how the system worked. I am a member already. I was convinced to canceled one service after I paid {$29.00} and signed up with another program under the premise I would not have to pay any more than {$1.00}. I was duped and deceived by this Ponzi scheme, and they need to be shut down and imprisoned. XXXX and another employee had the worst attitude. They are strong-arm robbing consumers. I paid {$29.00}, {$1.00}, and {$27.00} in less than one month for XXXX XXXX XXXX. They do not prorate or refund consumers money. RED FLAGS!!! They are ripping off XXXX XXXX.
Consumer complaint received 2021-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

I recent filed a complaint against XXXX XXXX XXXX and several other companies that has been harassing me. XXXX XXXX XXXX has been selling my information to different companies for different amounts of owed debt. I am not liable for the debt owed as explained and solved in my previous disputes. XXXX XXXX XXXX have tried to collect debt from me through 3 different companies and has been unsuccessful due to recent investigations. I disputed Sequium XXXX solution a company that was reporting for XXXX XXXX XXXX and trying to collect a debt in the amount of XXXX After a thorough investigation The account was deleted. There was also a company XXXX XXXX XXXX, inc contacting me about the same debt with a different amount for XXXX, threatening to attach an inaccurate account to my credit report. In the recent complaint I ask them to do not contact me, since then I have been harassed with letters. I received a copy of a bill which violates section XXXX. I canceled my account with XXXX XXXX XXXX XX/XX/2019 and returned the equipment due to the service not working properly in my area. XXXX XXXX XXXX attempted to go into my checking account in XX/XX/2019 and take an unauthorized payment after my service was canceled. I am not liable for the debt owed to XXXX XXXX XXXX. I was also told by a represented at XXXX XXXX XXXX that I would not be charge due to a technician having to come out twice in same month. After canceling my service I received a bill. Im now facing harassment for a new company XXXX for the same account but a different amount owed. I would like this company to stop harassing me about charges I do not owe and delete this inaccurate and negative account from my credit profile.
Consumer complaint received 2021-09-14
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)

hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored of my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Consumer complaint received 2019-05-01
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: EQUIFAX, INC. (CO)

XXXX is reporting incorrectly to Equifax a credit card account that does not belong to me. The partial account number is XXXX. The credit card account status shows Lost or Stolen Card. ( Please see pages 4 and 5 of the attached credit report. ) I have contacted the XXXX and have requested that they remove this account. This incorrect reporting is harming my credit score.
Consumer complaint received 2021-09-14
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. (CA)

On XX/XX/2021, XXXX XXXX obtained a copy of my Credit Report without my consent or authorization from XXXX and other Credit Reporting Agencies for the purposes of auto loan.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: John C. Heath, Attorney at Law, PLLC (TX)

XXXX. Asked more than once to stop the service. Letters that were written to creditors on my behalf were sent to me. I was told not to stop the service but choose a different plan. They took me down to an XXXX dollar plan. On this plan I was sent an email that I could not open. I was told to print letters off and send them to creditors. Basically this company just took my money. Nothing was done. I was told to wait 6 months for results but basically they were just stringing me along. Also someone told me about Lexington law. I went to their website started the process but never hit submit. From there they started calling me and telling me to sign up. Exactly how does this work? I told the guy I never hit submit on the initial paperwork. He assured me they could do something to assist me with my credit at a reasonable rate. I told him I didnt have money to just blow.
Consumer complaint received 2021-07-31
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: SYNCHRONY FINANCIAL (PA)

I pay cash at Sams Club., I withdraw my money from bank. , drive to Sams and pay full balance, the Sams MasterCard is associated with Synchrony bank. I get the associated bank with Sams header on it that the balance is due and it appears that an additional use of it since last statement has been added. More than {$500.00} and second statement has come in with {$75.00}, I have not gone into the store except to explain. The previous time was when I had needed to use my personal XXXX  MasterCard, not MasterCard associated with Sams and Synchrony bank.
Consumer complaint received 2021-09-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Checkr, Inc (AZ)

I had a background check submitted to this CheckR on XX/XX/2021. They are over 8 weeks since this was submitted. They state in many places 3 to 5 business days. I have tried calling, no matter what option selected their phone systeem will tell you there is no one to take your call and hangs up. They took 6 weeks to answer an email, and all it said was most background checks take 3-5 business days some may take longer due to court turn times. There is no getting a resolution. This company is not accountable to anyone. They are costing me thousands of dollars I could be making if working at the job they are supposed to be clearing my background check for.
Consumer complaint received 2021-07-31
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. (TX)

This is my 4th time contacting the CFPB and nothing is being done on my credit file. I have submitted several disputes to XXXX, Equifax and XXXX  as well as the collection agencies directly and no one is handling my disputes. I want these negative items deleted from my credit report today and I expect to have an updated report with these items deleted within 15 days ... The CFPB is suppose to govern these bureaus and no one is doing their jobs ... 

XXXX  XXXX XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX XXXX  XXXX-XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX/XXXX  XXXX-XXXX-UNVERIFIED ACCOUNT XXXX  XXXX  XXXX-XXXX-UNVERIFIED ACCONT XXXX-XXXX-NOT MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XX/XX/XXXX
Consumer complaint received 2021-07-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Colony Brands, Inc. (PA)

Ive been having problems with XXXX XXXX since my first purchase. I use a specific credit card for my payments just so there will be no issue. But when they try to take the money they say its declining and not allowing them the payment. This happened last month in XXXX, but I called with the same credit card and the payment went through. Next month same problem, but this time they reported me 30 days late to the credit bureaus. They have been doing this to me since I opened the account with no resolution. My credit is being damage because their system is not working. When they took my payment last month they said it was XXXX payment. Now ima 6 days late on XXXX and now they are saying Im 35 days late. I paid in XXXX the representative that took my payment said thats what I owed for that month and now Im being reported late I really dont understand whats going on.
Consumer complaint received 2022-04-25
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. (GA)

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. 

XXXX XXXX : {$5800.00} Date Opened : XX/XX/XXXX Closed Account # XXXX, has violated my rights. 
XXXX XXXX : {$950.00} Date Opened : XX/XX/XXXX Closed Account # XXXX, has violated my rights. 
XXXX XXXX : {$0.00} Date Opened : XXXX XXXX Closed Account # XXXX, has violated my rights. 
XXXX XXXX $ XXXX Date Opened : XX/XX/XXXX Closed 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 a account without my written instructions.

15 U.S.C 1681 C, ( 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 seven years.

15 U.S.C 1681 S-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 2019-09-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: SUNTRUST BANKS, INC. (MI)

In XXXX of this year, I was notified through my credit tracking service that I have signed up through my current bank, XXXX, that my credit score had dropped. I went online and found out that SunTrust bank had reported a delinquent account that they had charged off for {$16.00}. This was a line of credit I had with them since XXXX and when we moved from XXXX to XXXX in XXXX, I had requested that line be closed out. After I sent the initial request, I then requested it again in XXXX and XXXX as a statement had been forwarded to me from XXXX ( not from SunTrust ) and they had failed to close it out. 

As a side note, SunTrust had my current address in XXXX as we had been receiving correspondence from them until all of our accounts were closed in early XXXX. However, I had not received any statements on this line of credit since moving from Maryland in XXXX. The amount that they had charged off was the {$15.00} annual fee and a penalty, which totaled {$16.00}. All of the statements regarding this account were forwarded by the person who bought our house in XXXX. 

When I found out about their filing the derogatory notice on my credit bureau I called SunTrust on XX/XX/XXXX and talked to someone by the name of XXXX. She informed me that she would process my complaint and I should get something in the mail. When I hadn't received anything by XX/XX/XXXX, I filed a dispute with XXXX ( file XXXX ) as SunTrust stated they had not recorded any such complaint. As I still hadn't received any notification from SunTrust I called back on the XXXX (? ) to confirm that this dispute had been recorded, which was told it had and it would take 30 days. On XX/XX/XXXX, I received notification from XXXX that the derogatory filing had been changed to 90 days late, however, the account was closed on XX/XX/XXXX so no one has been able to explain to me that if it was closed how can an amount or account be 90 days late? In addition, I have had a consistent and excellent credit score up until this point. Why would I allow {$15.00} to charge off and change that after many, many years of a strong credit history? 

I explained to SunTrust that they clearly have a flawed system as I have had to repeatedly ask them to close this account over a 2 year period. I also explained that I hadn't received any statements from them stating I owed any money even thought they were able to confirm my current address. They said it was up to me to contact them to ensure the account was closed. As I hadn't received any more statements I assumed the account had finally been closed. They also indicated I should have gone to a branch but there are no SunTrust 's in the midwest. 

I want this delinquency removed from my credit as I feel they are taking advantage of me and improperly handled the request to close and charged this account off.
Consumer complaint received 2022-08-12
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX  has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (DE)

As more fully set forth in the attached documents : On XX/XX/2019, an item I listed on XXXX, XXXX XXXX XXXX XXXX Graphic Card, was sold for a total of {$520.00} plus {$24.00} for shipping fees. The buyer received the item on XX/XX/2019 and then two days later on XX/XX/2019, filed a complaint with PayPal stating that they only received " some bubble wrap '' and " outside shell of product. '' PayPal gave me the chance to refute the claim. I refuted the claim and sent in evidence of a USPS receipt with the actual weight of the item listed at 4lbs 9.2 oz. I believed this was enough for PayPal to find my claim credible and  the buyer 's fraudulent but this was not the case. Before notifying me of their decision and without any warning, PayPal transferred the sale proceeds out of my account and into the buyer 's account, leaving me with a negative balance. Only after the transfer of my funds did PayPal notify me that my appeal was denied for vague reasons. I called PayPal again asking them to let me appeal their decision and they obliged. I uploaded an affidavit, an internet crime complaint, and a formal complaint. After receiving the information, PayPal has again decided to side with the buyer because " they provided valid documentation supporting their claim. '' I have never seen this documentation but am told it is the same IC3.gov claim  that I have filed.
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

HAD A PURCHASE IN XX/XX/XXXX XXXX. MADE A RETURN THAT WAS TO REDUCE THIS ORIGINAL AMOUNT. KOHL 'S DEPT. STORE ( THRU CAP ONE BANK ) DID NOT SEND ANY BILLS FOR ALMOST 90 DAYS ( ZERO COMMUNICATION ). NO CALLS/NO TEXTS/NO MAIL/NO EMAIL TO SAY THAT THERE WAS A BAL REMAINING OF {$83.00}. THIS ACCOUNT HAS BEEN OPEN FOR 19 YRS ( AND HAS NEVER EVER BEEN LATE ) KOHLS REPORTED THE ACCOUNT ON XXXX 30 DAY PAST DUE IN XX/XX/XXXX WITH A BAL OF XXXX SHOWING ON BUREAUS ( THIS IS A XXXX BAL AS OF XXXX. I WOULD LIKE THEM TO REVERSE THE 30 DAY REPORTING ON ALL 3 BUREAUS
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (OR)

So basically what happened was I was notified that my account was being closed because of a return check that totally wasn't my fault and everything I called the bank tried to fix it and everything they said they were going to take their fees which they already have and my account was going to be close by the XXXX and I'd have my funds now I'm being told they don't know if I'm going to get my funds and when the account going to be closed
Consumer complaint received 2022-03-29
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. (WA)

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX WA XXXX ( XXXX ) XXXX Last 4 of SSN : XXXX Unauthorized Hard Inquiries to be REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-17
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: Experian Information Solutions Inc. (WV)

My credit score dropped 200 points in one year when nothing has really changed as reported by all three credit bureaus. 

I moved from XXXX  to XXXX  in XX/XX/2019. In XXXX  I had a house that I bought for {$86000.00} and I owed {$40000.00}. I sold the house and moved to XXXX. In XXXX, I was with XXXX  XXXX XXXX and had one credit card that I owed a thousand or so but paid all when I sold my house. 

I bought a house in XXXX  for {$76000.00} and now owe about {$40000.00} on it. There are no XXXX  XXXX XXXX banks here so I transferred my account to XXXX XXXX. With XXXX I have the same checking and savings like in XXXX. I have one credit card with XXXX and owe about {$2000.00}. 

So everything is almost identical except I live in a different state and my bank and house changed. 

Another problem is hard inquiries to the credit bureaus by XXXX XXXX. The inquiries stay on for two years and also cause a drop in score. XXXX XXXX makes a hard inquiry about every 15 months so it is a constant hit on my credit. I have not for 20 years even applied for anything from XXXX XXXX.
Consumer complaint received 2021-09-14
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ADP Inc. (NY)

Adp says that i owe them money. I called to try to take care of the issue but they wont access my account without information i dontnhave access to. I repeatedly transferred to the customer service department. I asked ti speak to a manager and wqs transferred to the wrong department multiple times. I dont have time fkr this. This company needs to get their act together