davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GOLDMAN SACHS BANK USA (TX)

On XX/XX/XXXX, my phone could not make any calls. I use another phone to call XXXX and found out my phone number was ported out by somebody in New York who stole my phone number and identity. I contacted XX/XX/XXXX and had a fraud alert placed on my account. I then also purchased an identity-theft product from XX/XX/XXXX and paid for it for the next three months before canceling it. XX/XX/XXXX confirmed that no new accounts were opened up when I initially spoke with them to report the fraud and they led me to believe that no new accounts could be opened since I had the fraud alerts and their identity theft product purchased on my account. I was absolutely shocked to find out that in XXXX, when my identity was stolen ( which was AFTER I had the fraud alert placed and purchased the fraud product ), that a new account was created fraudulently in my name and that over {$7000.00} was charged. I did not believe this was possible since I had a fraud alert on my credit and the fraud protection service. I just found out about the fraudulent Goldman Sachs Apple Card even though it was opened in my name last XXXX. I found out about this fraudulent Apple Card account about two weeks ago when my credit was run because I am trying to purchase a home. As a result of this fraud on my account, my credit score has been ruined, which will cost me thousands of dollars extra when purchasing a home. I was told by Goldman Sachs Apple Card that the account was closed and charged off before I even found out about it. I also was informed that the reason why it took me so long to find out about it is because Apple Card does not send out any paper notices to their customers. 
I contacted Goldman Sachs Apple Card right after I found out about the fraudulent account created in my name. This phone call took place on Saturday, XX/XX/2020. I spoke with XXXX, the supervisor of the Fraud Department, who stated that he would escalate my case and try to get it resolved as quickly as possible. I was told to file a police report and an Identity Theft Report with the Federal trade Commission. I was unable to file a police report because the crime did not occur in in my city. I did file an Identity Theft report and I sent it to Goldman Sachs Apple card. I was told that it would take Goldman Sachs Apple Card a maximum of 14 days to resolve the fraud. I absolutely need this deleted off of all 3 credit bureau 's reports ASAP, otherwise I will have to spend several XXXX dollars more than I should have to in order to purchase a new home.
Consumer complaint received 2022-02-09
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: ALLY FINANCIAL INC. (CA)

Ally Finacial is not reporting accurate information regarding the date of last payment made, they can not show any accurate paperwork verification they own this debt, I have requested proof regarding both of these matters with verifiable proof of ownership. This company does not own the debt/vehicle through XXXX and has never gotten pink slip or bill of sale, When I bring this to their attention they ignore my ( XXXX ) certified letters and send inaccurate templates with my info in the filled in areas. 
Thanks for the assistance and warm regards,
Consumer complaint received 2021-10-03
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: Experian Information Solutions Inc. (GA)

The company is reporting this account inaccurately and incorrectly, I have reached out to the company several times already but have not responded and resolved it. 

XXXX has removed this account due to inaccuracies and incorrect reporting however it is still being reported in Experian & XXXX which is severely affecting my scores.
Consumer complaint received 2021-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (FL)

American Express charged me interest for a Pay over time purchase that I didn't authorize. When I saw the interest charge on my Amex gold account, I looked into it and realized that they must have enrolled me, without my knowledge, in the program. This caused my purchases to automatically be charged interest. I would like to request an immediate refund for all applicable interest charges and would like this terrible " feature '' disabled on my account.
Consumer complaint received 2021-11-21
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: General Motors Financial Company, Inc. (FL)

I went to the XXXX dealer shop and i told them to do the lease for a particular bank. They have sent all my information to several banks. And I received my lease from the bank that i advised them to do because i dont want too many hard inquiries. They were really unprofessional on XX/XX/XXXX XXXX. I spoke with them about this situation and they told me there is nothing to do now and I should wait to drop off in a few years.
Consumer complaint received 2020-11-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pacific Rim Alliance Corporation (WA)

So this morning a processing server co called me stating they trying to serve me I said for what, they gave me a number to call I got the number spoke with XXXX XXXX a mediation person out of CA for a debt that was never on credit report never received notification that I had still owed, out of statute of limitations so when XXXX gave me the number XXXX which is collection department corporate office for Checkmate, I asked the rep at the time why was I not notified by them or their agency it went to collections and why was I not informed of the Waver policy ( toll agreement ) the lady on phone said ma am we dont send to collections and we are. Not allowed to sell a debt if you we dont send to collections and we dont put waver policies in our contract but firm is saying its there she said you need to know what your talking about
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (WA)

I have contacted my local police department and filed a criminal complaint about credit card fraud and identity theft. This credit card account by marcus GM goldman and sachs credit card was opened fraudulently using my identity. I am a victim of identity theft and fraud. Goldman Sachs refuses to close credit card account because they think I opened it when my identity was stolen. I have taken all the correct steps but Goldman Sachs refuses to close out this fraud account. Please help remove and delete this account permanently. I am a victim of fraud and identity theft.
Consumer complaint received 2020-11-28
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: Experian Information Solutions Inc. (TX)

I spotted some discrepancies between reality and what happened in such credit report. Being said that, I have never applied for XXXX credit card. So XXXX Inquiry on XX/XX/2020 is not resulting from my personal action.
Consumer complaint received 2019-03-21
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: Fidelity National Information Services, Inc. (FNIS) (WA)

I recently asked XXXX  Consumer ID : XXXX .for my consumer report because i applied for 2 credit unions and was denied due to the contents of my report. I know i had nothing negative on my report so I was surprised when those Credit Unions turned me down for membership no thanks to a credit lookup they did on my XXXX report. Apparently there are 2 inquiries that are past 2years! Credit repositories are only supposed to hold inquiries for 2years. Credit inquiries are required by law to remain on your credit reports for 2 years. 1 ) Inquirer : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 2 ) Inquirer : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX. The list of following Inquiries are ones I dont recognize at all! and I didnt authorize to pull my XXXX  report. Per FCRA 604 To my knowledge, I have not signed any documents authorizing these organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.. Either Validate this data with them which i assure you they WONT BE ABLE TO! or delete the following as soon as possible as it has hurt my ability to obtain credit and goods both which are punishable by federal law. 1 ) UNKOWN Inquirer : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 2 ) 1 ) UNKOWN Inquirer : XXXX XXXX  Inquiry Date : XX/XX/XXXX 3 ) 1 ) UNKOWN Inquirer : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 4 ) UNKOWN Inquirer : XXXX XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2022-02-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I forgot to pay off a credit card. I travel a lot for work. I was in XXXX working for the XXXX and when I got home this company XXXX took my to court and levied a judgement against me. All of a sudded my paychecks were being garnished and I could not pay my bills. 

I hired an lawfirm to handle the case but it seems they are really not interested in it and just wasting my time. I tried to offer them a settlement and they wanted not only what was owed but a one time payment of {$3200.00}. Doing research I found this is a violation OF the FTC. according to the guidelines it says that I should be entitled to Damages. 

I would love to speak with someone about this. 

Thanks XXXX XXXX
Consumer complaint received 2021-07-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

The company claimed to be from XXXX XXXX and called me from number : XXXX. The person on the phone the ENTIRE social security number over the phone when I told them I did not know what debt they were talking about because I don't owe ACE Cash Express any money. THE SSN was said without even verifying this account! They said they were from XXXX XXXX and would be freezing my access to my Visa, Mastercard, and any other credit cards because they were suing me for the {$990.00} dollars I owe from an outstanding balance from XXXX, XXXX, XXXX. I said that I have no knowledge of this debt and it's not on my credit report. They continued to tell me that it is considered an " arbitrary loan '' and that's why it won't be on my credit until I go to court. I said how can I even know that I have this debt if I haven't received anything in the mail? I hung up the phone then called back the number to see if it went to a legitimate business. The person it routed me to say the address was XXXX XXXX XXXX XXXX XXXX Massachusetts. They continued to tell me that it would be going to court, and I would have my access to my credit cards frozen. I again asked for a debt validation letter, and they refused to give me one until I make a payment arrangement. They told me that the debt collection letters they sent to me counted as debt validation. I never received any letters, so I have no idea what they are talking about or what the original amount is, or IF this is even money that I owe.
Consumer complaint received 2019-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MD)

On XX/XX/XXXX at XXXX EDT, I received an email from XXXX XXXX   that implies that I am currently enrolled at the XXXX XXXX . I  graduated on XX/XX/XXXX and NSLDS accurately reflects my end of attendance as XX/XX/XXXX. I believe that I should not have received this letter from XXXX and that actions should not be taken on my loans. My loans should be treated the same as how XXXX treated them before XXXX transferred my loans to XXXX.
Consumer complaint received 2023-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NV)

I had paid debt collection XXXX on XX/XX/2023 amount {$110.00}. XXXX sold info to collection agency Jefferson Capital System XXXX XXXX XXXX. XXXX XXXX, mn XXXX. Contacted Jefferson several times number XXXX that needed letter sent me debt collection and that already paid debt XXXX Jefferson agency stated that never received payment XXXX XX/XX/2023. Due have reference from XXXX XXXX # XXXX. Also requested debt letter company stating payment owed never received one. Due that collection already paid XXXX XX/XX/2023.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I paid an debt, and in the attached email I have downloaded for your review stated it would be updated in 45 days, that was 8 months ago. I called in today 8 to 9 times asking to speak to a manager after several attempts to have this removed from my credit report. The woman I spoke to refused to give me her name, and also transferred my phone call to a company that was not XXXX XXXX XXXX. I later found that she transferred me to the company that was hired by them to settle my debt. I had already spoken to debsty, who stated that reports are generated at the end of the month, and XXXX XXXX XXXX received the settlement letter within the 45 days, and it was up to them to contact the credit bureaus to give notice that my debt was settled. They have yet to act on their part in contacting the credit bureau. If this is not taken care of I will file lawsuit against them in this matter for reasons that I will research on why I am able to file a lawsuit. I made her aware that I had already spoken to XXXX, who has since changed their name to XXXX, and asked to speak to a supervisor on every phone call. she refused, and transferred me to XXXX. I would like every phone conversation listened to from me to her line, and I would like disciplinary action taken against her. I should not have to go through this just to have a debt cleared up that is already taken care of.
Consumer complaint received 2022-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I Am a federally protected consumer. XXXX was notified of a dispute of account with XXXX XXXX Account number XXXX pursuant to 15 USC 1681a, ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. XXXX HAS FAILED TO DISCLOSE AND PROVE THEY HAVE HAD PERSONAL INTERVIEWS WITH MY NEIGHBORS OR FAMILY, under 15 USC 1681 ( a ) ( 4 ) i have a right to privacy i ask this account be removed from my consumer report... ACCORDING to 15 USC 1681b ( 2 ) STATES YOU HAVE TO HAVE WRITTEN CONSENT FROM I THE CONSUMER TO EVEN FURNISH SOMETHING ON MY REPORT THAT IS IDENTITY THEFT .... Any Negative marks need to be deleted ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THERE SHOULD BE NO INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ALL TRANSACTIONS BETWEEN I AND XXXX XXXX SHALL BE DELETED PURSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH RESULT FROM IDENTITY THEFT
Consumer complaint received 2021-07-03
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: EQUIFAX, INC. (TX)

I have sent three certified validation letters to XXXX, XXXX XXXX, Equifax, XXXX  and XXXX  starting in XXXX of XXXX. I received zero response from any of them. 
In XX/XX/XXXX I received a statement, from XXXX for one of the accounts in dispute. # XXXX. It is past statute of limitations and does not provide me with when the delinquency date was, a contract or my signature on it. 60 days after the initial validation letter. The response back had no letter attached, did not state that it was past the statute nor did it provide any other information to valid that this alleged debt is mine. 
The following account numbers are what have been disputed with no response. 
Account # XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX, Equifax XXXX XXXX  Account # XXXX {$4800.00} XXXX XXXX XXXX XXXX XXXX, Equifax, XXXX  Account XXXX XXXX or # XXXX {$5300.00} XXXX XXXX Equifax XXXX Account XXXX XXXX {$5800.00} XXXX XXXX Equifax XXXX Ive attached copies of letters and credit reports, they are all incomplete/inaccurate reporting with all conflicting information.
Consumer complaint received 2021-07-02
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have sent a dispute out to XXXX, XXXX, and Transunion that are reporting information I never gave them or the alleged creditor to report on my credit report. According to 15 U.S. Code 1681b Permissible Purposes of Consumer Reports, as a consumer I gave them 45 days to show me any written instructions that allows them to report this information. They have never should me any written paper work. These reports of this information is not helpful to me and it is hurting my chances of moving on in life. I have submitted two complaints to CFPB. I am just asking for help because the Consumer reporting agency 's and the creditor is taking advantage of my consumer report. As the original creditor of this account I would like it removed from my report immediately.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-21
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX was unable to set me up in their system so I could pay my bill. They sent me this email confirming this : XXXX XXXX The digital escalation team at XXXX XXXX has received your case ID # XXXX. 


Your case is part of a larger issue that will take more time to correct. Our tech teams are working to fix the problem, and we'll reach out to you as soon as any updates are made. 

Thank you for your patience in the meantime, and should you need any additional assistance, feel free to contact us at XXXX. 

Sincerely, XXXX XXXX Digital Escalations Team
Consumer complaint received 2022-02-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

I paid off my mortgage with Mr. Cooper on XX/XX/XXXX. As of this date ( five months later ) XX/XX/XXXX I have not received my release of lien document. After several inquiring phone calls no one has been able to tell me anything definitive regarding when I will receive my release of lien document. I have also filed a legal complaint with Mr. Cooper Customer Relations Department in hopes that with an internal investigation this situation will be resolved. I have not heard back from this department either. Other than to tell me they have received my complaint on XX/XX/XXXX. 

The name of the Mortgage Company is : Mr. Cooper Customer Relations XXXX XXXX XXXX XXXX, TX XXXX I have called to inquire about the Release of Lien the following days : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Although I have been treated courteously by the Reps that I have spoken to and communicated with not one has been able to resolve this issue. That is why I contacted my attorney and he suggested that I file a complaint. 

I am hoping this can/will help to resolve this frustrating unnecessary situation. 

Thank You
Consumer complaint received 2020-11-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Why are you reporting this account inaccurately? XXXX is reporting all good payments yet XXXX and XXXX is reporting just all charged off. Please remove this inaccurate report.
Consumer complaint received 2022-07-25
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. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still presenting on my credit report in violation of federal law. The XXXX and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}