davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-01
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: Experian Information Solutions Inc. (NC)

I'm complaining AGAIN that I was a victim of identity theft with this. As per Fair Credit Reporting Act Section 605B ( a ), you must remove or block any items that were opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is unrelated to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$88.00} ; XXXX XXXX XXXX I ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA (VA)

Ive taken multiple actions to contact the company in regards to my accounts its been months since i received any help towards my issue i recently was approved for the Apple credit card through Goldman Sachs during my first two days of having the card it was restricted with out reasoning they asked me to confirm my identity which i did and still received no resolution after weeks of waiting for a response my card is still restricted whenever i contact super they give me the same answer with no results the company seems to have to desire to help me and just build interest on my account they wont allow me to make payments or use the card making interest constantly build and forcing my credit score to drop dramatically
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Remove this Account because the payment history reflects continued reporting a charge off after this Account was closed in XX/XX/year>. 

XXXX XXXX  XXXX That is an improper use of my crdit report
Consumer complaint received 2023-03-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 got into the hands of the wrong person.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-05-01
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Bankruptcy XXXX  XXXX Date Filed XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Bankruptcy XXXX  XXXX Date Filed XX/XX/XXXX Reference # : XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-01
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: Experian Information Solutions Inc. (NC)

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft.These items are unknown to me. Also, the information you provided on items are DELETED from other bureaus and I have doubts in their accuracy and they are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
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 XX/XX/XXXX
Consumer complaint received 2023-05-01
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: DISCOVER BANK (GA)

On XX/XX/XXXX, 2020, I entered a consumer credit transaction with Discover which I extended them credit. Discover never provided adequate notice which clearly and conspicuously mentions the pertinent facts of the transaction. The term " adequate notice '' means a printed notice to a cardholder that sets forth the pertinent facts clearly and conspicuously so that a consumer against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Since the adequate notice was not given. I couldn't understand which is a violation of 15 USC 1602 ( k ). Further, a consumer must be aware of the cost of transactions. Since I was not aware of the transactions therefore I made an uniformed decision and it resulted in multiple billing errors and unfair credit card practices. According to 15 USC 1602 ( p ). The term " unauthorized use '' means a use of a credit card by a person other the cardholder ( consumer ) who does not have actual, implied, or apparent authority for such use from which the cardholder receives no benefit. From Discover 's end, I have not benefited from this transaction which is a violation of 15 USC 1602 ( p ).
Consumer complaint received 2023-05-01
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: Experian Information Solutions Inc. (CA)

When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmedinformation without producing proof within the legal time range. XXXX  XXXX Balance : {$1400.00} ; XXXX XXXX  XXXX Balance : {$660.00} ; XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$10000.00}.
Consumer complaint received 2023-03-21
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: DISCOVER BANK (TN)

The company refuses to send me the original documentation with w/a wet signature to prove that the alleged account belongs to the consumer. Prints off are not sufficient as we all know those prints off can be uploaded and altered. Again I want this account removed immediately from the consumer file. If the company can not respond to my request and give me what is needed and oblige the law then IMMEDIATELY REMOVE
Consumer complaint received 2024-10-22
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated (WI)

Tuesday, XXXX XXXX I tried to contact Way2GO through the website, through their phone number, and looking online for a way to contact them. I just received the new card that expires in XX/XX/year> and I'm supposed to activate it. It gives the number XXXX or go to their website GoProgram.com. 

I couldn't remember my User ID so it locked me out. There's no one to call to unlock it so I can access my information and try to activate it this way. When I use the number, there's no option to activate the new card at all. There's no way to get in contact with a real person. No option for that at all. It's all automated. If you mess up, it merely hangs up on you. I have a month maybe to get this fix for my son to use his money. I need this fixed and someone who can help.
Consumer complaint received 2023-05-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EDvantage LLC (CA)

At the time of enrollment I was guided by one of their financial associates on how to pay for the remaining cost of tuition. This was XX/XX/XXXX. I was apprehensive about this near XXXX loan. The financial advisor of XXXX XXXX XXXX XXXX XXXX explicitly said that I could recieve a loan without a cosigner from one of their partners and you can pay it back after you compete the program, it will just grow interest. I chose to go with Tuition Options. So by XXXX, I am wondering where the money went, because I don't have it and XXXX doesnt have it. I begin to ask around and make sure to get all future conversations through text message and email. Because By XXXX I started to face threats that I would be dropped if I daont pay their loan back. It does notadd up. I believe XXXX and XXXX are using XXXX  XXXX to open fraudulant loan accounts in order to get students to pay way more money than they need to. No loan, Yet I am supposed to pay a loan back while I am in school full time! I ended up having to begg my parents for the money to not get dropped from the school.
Consumer complaint received 2024-10-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC. (CO)

We refinanced a truck with a local XXXX XXXX and the original loan was through Chrysler Capital. The refinance check of $ {$45000.00}, was signed for on XX/XX/year>, by a XXXX XXXXXXXX XXXX XXXX XXXX. The check was sent by XXXX. The check was never entered into the system or cashed by Chrysler Capital. When this issue was discovered by us, the XXXX XXXX faxed over the receipt of delivery. We also made several calls to Chrysler Capital. We were told that they would not speak with the XXXX XXXX and that they need a faxed copy of the check, front and back. The XXXX XXXX did not have this, because the check was never cashed. The XXXX XXXX stopped payment on the originally check on XX/XX/year> and reissued and sent a new check. This check was received by Chrysler Capital and applied to the account. The account now had a late fee and daily incurred interest, which left a balance of {$330.00}. I went to the XXXX XXXX and obtained, the originally payoff letter, a letter from the XXXX XXXX, XXXX shipping label, internal ledger of the check, and the signed receipt from XXXX. I faxed all of this, plus a letter from myself in regard to the handling of this payoff to Chrysler Capital. I also paid the remaining balance of {$330.00} to save our credit ( This was done on XX/XX/year> ). 
I received a call from Chrysler Capital that I missed ( I called them back, XX/XX/year> ). When I called them back, I was told that they would waive the {$330.00}. I told her that I had already paid that to save my credit. I understood that they would return the money anyway. Today I received a call from Chrysler Capital and was told because I paid the balance the account was closed, and they could not waive the {$330.00}. I was also told that they would no longer look into my dispute of how the payoff was handled. They are sorry for any inconvenience this has caused. 
In all my business dealing once you sign for a package or check in this case you are responsible for it. I have never had such an appalling customer service and refinance experience in my life. I believe that Chrysler Capital is shady and stealing money from consumers with their polices.
Consumer complaint received 2023-08-11
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. (CA)

I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 5TH '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2023-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (SC)

In XXXX this year, Fay servicing overpaid my homeowners insurance. {$1200.00}. Instead of them communicating with my insurance to resolve it, they raised my house payment {$120.00} a month to cover their mistake up. I had to file a complaint with XXXX  to get an answer. They told them that they would fix this issue. I had to communicate with my insurance to get refund check. Now the mortgage company is refusing to lower my house payment back to the original {$700.00} a month payment. Ive made several calls to their customer service and theyre refusing to talk to me about it. Ive also sent emails to the ceo for help and still no response. Ive also got a {$6300.00} charge to my balance Ive been waiting XXXX years for an answer to what it is from them. This company has been nothing less than a nightmare to me.
Consumer complaint received 2023-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (FL)

Initially when Midland Mortgage took over my account during Covid they attempted to add XXXX plus funds to what was owed. I wrote the company and stated they can not do this ; remove those funds as this is not accurate I then supplied my last statement from XXXX. They complied. A few months passed and Midland Mortgage again attempted to add the XXXX plus funds back to my account. I again emailed them and told them to remove this erroneous amount. They complied. 

Fast forward to when I received the funding from the Gov't for the Covid arrearages. The way Midland Mortgage applied the funding vs what they say I now owe does not seem correct. I am not completely convince this process was done accurately and within the Gov't guidelines on how to process the funding. I requested an audit. 

The beginning of 2023 I received a letter stating my Escrow was short {$240.00} plus change. The letter stated I could pay this amount before the end of XX/XX/2023 to reduce the now new payment amount effective XX/XX/2023. With my XX/XX/2023 statement I submitted {$50.00} towards XXXX in the area designated for XXXX. I was going to pay the remaining {$200.00} before the end of XXXX. When I logged on to do this I saw my {$240.00} amount did not change. I emailed Midland Mortgage and asked where the {$50.00} dollar payment is? They called me. I did not answer as I often request they answer me in writing yet they refuse to do this. Evidence who knows?! Nevertheless I again emailed Midland Mortgage and requested they NOT call me but provide and answer to me in writing as to where the {$50.00} dollars is and why it was not applied to the arrearages? Again a phone call. I do NOT want a phone call I want something in writing. This surely does not seem like an outrageous request. 
Last week I received a letter in the mail telling me they tried to call me. I am pretty sure it would have taken less time and money to simply respond to my email by answering the simple question. A question a five year old could understand. With this said I still want to know where the funding went. Additionally I would like a third part, not related to Midland Mortgage, to audit my account for accuracy.
Consumer complaint received 2017-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NJ)

I just reached out to XXXX regarding two issues and i could tell the representative didnt have the answers to my questions. First off, I wanted to know why my payment amount for his month says {$350.00} something and that the amount being auto-debited is quoted for {$380.00}!? I was told my IBR expired last year and thats why, which I was aware but why am I still being quoted for {$350.00} n paying {$380.00}?! Second I asked how many payments Ive made and according to the records, Ive made 38 payments but have been in active repayment since 2013. I asked how that is possible since Ive been making payments for years now?! Her answer was honestly, thats just what we have to go off of. So Ive been making payments for years now and the records show that Ive made less than 2 years worth of payments. Thats just flat out wrong!
Consumer complaint received 2021-10-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (GA)

On or around XX/XX/2021, I used the money transfer app, CashApp, to send a payment for {$250.00} to XXXX XXXX. The money was never wired to XXXX XXXX and on XX/XX/2021, I received a notice in my CashApp account notifying me that the transfer had expired and {$250.00} would be refunded to my account. However, as of today, XX/XX/2021, CashApp has refused to refund the money to me.

I contacted my bank to dispute the charge -- because CashApp withdrew {$250.00} from my bank account for the above-referenced transaction. The bank issued a credit to my account as a refund. However, CashApp has continued to debit by CashApp account for the {$250.00}. For instance, I recently cashed in on {$97.00} in bitcoin, and CASHApp deducted the {$95.00} from my CashApp account and posted a negative balance of - {$150.00}. In other words, they are still charging me {$250.00} for a transaction that never went through.

I have reached out to CashApp ( via text and email msgs ) on several occasions, and they keep telling me that they are working with my bank to resolve the issue, meanwhile, they are placing debits on my account! Please help me stop this theft! 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OH)

I invested money and bought stocks as well as bitcoin through XXXX, on XX/XX/XXXX I woke up to several emails saying my stocks had been sold and the money had been deposited into an account I did not recognize. When I tried to open the app my password and pin had been changed and I no longer had access to it. It took over two hours on hold before getting someone on the phone. I was then told the cashapp " investigating team '' would send an email to follow up. After waiting 3 weeks I called back and waited another 3 hours to speak to someone. When I did finally receive an email from them it took another 2 weeks of them " investigating '' before they proposed a solution. I was told they would credit the money back to my account - an account they were told repeatedly had been hacked. They asked I make a new account and send the username to them so they money can be credited back to me. I have now been waiting since XX/XX/XXXX for this credit. I have emailed the " support '' team about 5 times now and have not gotten any response from anyone. I have tried calling them numerous times and the automated voicemail either hangs up itself or tells you no one is available to take your call then hangs up. I tried contacting them to get the matter resolved through their chat option but apparently the " advocate '' is now crying in a corner because I called him useless- his solution was to email their " support '' team... given I have already emailed them 5 times and have gotten no response I think my description was pretty accurate.