davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Sage LLC (WA)

I am writing to file a complaint against Credit Sage LLC. On XXXX  XX/XX/2023, Credit Sage LLC made an unauthorized charge to my debit card for the amount of XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) without my permission, credit sage accessed my social security number and my credit report without my permission, they accessed one of my personal identity theft protection and credit monitoring service accounts and changed my password, they misled me to thinking they were a different company ( I was trying to reach XXXX XXXX XXXX ). I have attached a copy of my bank statement and my correspondence with Credit Sage LLC to this complaint. Credit Sage 's unauthorized charge to my debit card violated several of my rights, the Electronic Funds Transfer Act ( EFTA ), the Fair Credit Billing Act ( FCBA ), the Consumer Fraud and Deceptive Practices Act ( CFDPA ), and Washington state laws RCW 9A.56.020 ( 1 ) ( b ), RCW 9A.56.030 ( 1 ), RCW 9A.56.040 ( 1 ), and RCW 19.29A.030 ( 1 ), The Truth in Lending Act ( TILA ), The Gramm-Leach-Bliley Act ( GLBA ), The Computer Fraud and Abuse Act ( CFAA ), The CFAA prohibits unauthorized access to computers and computer systems . Credit Sage LLC used my SSN to access my credit report and other personal information without my permission, they are violating the CFAA. Credit sage LLC is actively engaging in the act of violating the Federal Trade Commission Act ( FTC Act ) : The FTC Act prohibits unfair or deceptive trade practices and the XXXX XXXX Consumer Protection Act : The XXXX XXXX Consumer Protection Act prohibits unfair or deceptive trade practices in XXXX XXXX. The full refund amount is not enough for the laws that they have broken and the stress they have caused unto me.
Consumer complaint received 2023-08-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: GOLDMAN SACHS BANK USA (IL)

I completed payment on my loan with Green Sky and my bank mistakenly sent and extra payment of {$370.00}. The company didnt issue a check when they received the overpayment and when I saw it on a statement 2 weeks later and called I was told I have to wait for 30 more days to get my refund. That is 6 weeks! 
The company holds my finds hostage making an interest. They charge 25 % interest for their loans with 0 % intro financing for 12 months. If a payment is delayed by more than 10 days, they will charge 25 % retroactively and I would have forfeit the intro financing. BUT they can hold my money for 6 weeks without any consequence. When I called I was rudely informed that there is nothing I can do about it. I find this practice greedy and dishonest. The amount mistakenly withdrawn from my account can be of consequence and Im not willing to have it held without my consent for 6 weeks.
Consumer complaint received 2023-09-18
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On or about XX/XX/XXXX, I inadvertently made an incorrect payment amount to XXXX. I contacted XXXX and was ultimately informed for me to file a dispute with Capital One. I did so and since then the credit in the amount of {$5000.00} with XXXX has been reversed. On XX/XX/XXXX, I was contacted by Capital one ( online portal ) that I would be re-billed for the full amount of {$5000.00}. At this point the {$5000.00} that I am being charged for is unaccounted for. Additionally, I also being charged for multiple items that have been returned to XXXX ( tracking already provided to XXXX XXXX Capital One ) and Capital One is refusing to continue with dispute ( XXXX ). I have previously filed a complaint with the XXXX in hopes to get a resolution, contacted customer service, contacted disputes department, contacted fraud department ( XXXX XX/XX/XXXX ), and I have also contacted the corporate office multiple times with no resolution ( XXXX ). A copy of this report ( CFPB ) will be forwarded to Capital One dispute department on XXXX XXXX XXXX  This type of activity is to be considered fraudulent because money and merchandise once again in not accounted for.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

I have had items deleted from my credit report. It doesnt Show on XXXX but shows on my transunion and Equifax XXXX According to consumer law all bureaus need to report 100 % accurate information. So if XXXX deleted it why Havent the other bureaus either.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX continues to ignore my request for them to validate the contract/digital signature details as % 100 accurate and complete without information withheld. XXXX has closed Multiple CFPB complaints under the statement that theyve already provided what Ive requested and my complaint is a duplicate. 
I would like to be very clear that XXXX has not validated the information they provided as % 100 accurate and complete without information withheld in regards to account XXXX
Consumer complaint received 2018-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (PA)

Last week I tried to get my yearly credit report and was not able to get my report from XXXX and experian. I answered all security questions and still no report called the number that was provided no help there
Consumer complaint received 2020-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$480.00} XXXX XXXX   XXXX XXXX {$560.00} XXXX XXXX XXXX {$620.00}
Consumer complaint received 2024-05-21
Product: Credit reporting 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. (FL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2024-05-21
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. (FL)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2024-01-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to report fraudulent accounts on my credit report validated through XXXX. The banks, accountable for fixing this identity theft issue, must promptly rectify the inaccuracies on my credit report. The banks, acknowledging a system error, committed to removing these entries : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Formal Complaint Regarding Failure to Process Reinvestigation Request Dear Sir/Madam, I am writing to formally lodge a complaint against TransUnion for their failure to process my reinvestigation request in a timely manner, which has resulted in the violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I submitted a reinvestigation request to TransUnion regarding inaccuracies on my credit report. Despite my efforts to resolve this matter, I have not received a response or any updates on the status of my request. The timeline of my actions and lack of response from TransUnion is as follows : 1. XX/XX/XXXX : I sent my initial reinvestigation request via certified mail, including all necessary documentation to support my claim. 
2. XX/XX/XXXX : Having received no response, I sent a follow-up letter to TransUnion, again via certified mail, reiterating my request for a reinvestigation and expressing my concerns about the lack of communication. 
3. XX/XX/XXXX : With still no response, I attempted to contact TransUnion by phone. I was unable to reach a representative and left a detailed voicemail requesting a status update. 
4. XX/XX/XXXX : I sent a final written request via certified mail, demanding immediate action on my reinvestigation request and warning of my intention to file a complaint with the Consumer Financial Protection Bureau if no action was taken. 

As of today 's date, XX/XX/XXXX, I have not received any response or update from TransUnion. This lack of action has severely impacted my ability to secure credit and has caused significant stress and inconvenience. 

The Fair Credit Reporting Act mandates that credit reporting agencies must investigate disputes within 30 days of receipt. The failure of TransUnion to process my request within this legally required timeframe is a clear violation of my rights as a consumer.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

It has been drawn out into the open that XXXX credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to request the removal of an account from my report that does not belong to me. I am a victim of identity theft, and this account was fraudulently opened in my name. 

Please investigate this matter and remove the incorrect account from my report to restore its accuracy.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

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.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2023-09-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC (MI)

I have applied again for forbearance on the corona virus rule AND I became XXXX in XXXX after being XXXX by a car. When I gave them money last time, they told me I could get back on forbearance when i needed. I just need to get through XXXX XXXX when my workmans comp case goes through. They denied my forbearance and helping me. This is incorrect because I quality on mulitple levels. I have put in with MiHAF for help but XXXX should be helping me like they promised. They conned me and I bet they are denying everyone now.
Consumer complaint received 2024-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or resolve the following inaccurate accounts in my report : 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 2024-05-21
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. (NC)

I asked them for the following information and all three credit bureaus ignored my request. They also are in violation because they did not respond in 15 days per or at all see FCRA sections below.

1681 U S C i ( 7 ) Method of verification-DESCRIPTION OF REINVESTIGATION PROCEDURE for each account disputed.

15 U.S.C. 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ) states that a consumer reporting agency ( CRA ) must provide a consumer with a description of the reinvestigation procedure within 15 days of receiving the consumer 's request I asked them for the following information and all three credit bureaus ignored my request. They also are in violation because I did not receive proof of my signature they should have on file regarding PERMISSIBLE PURPOSES according to FCRA see request below. 

15 U.S. Code 1681b - Permissible purposes of consumer reports.

( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

Please send the following information used or validate the items below and show where I gave written permission to be on y credit report in the first place, otherwise delete from my credit report immediately or I will seek monetary damages.

Please read and comply to my request or delete accounts I am disputing. 

XXXX, XXXX, and Equifax are reporting different Date Opened, Balance, High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Date Last Active, Date of Last Payment, and two-year history for the same accounts. 

INACCURATE REPORTING/ DISPUTES XXXX XXXX XXXX XXXXXXXX This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX XXXX XXXXXXXX This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX XXXX XXXX XXXXXXXX This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX XXXX XXXXXXXX This account is being reported inaccurately, please remove this from my credit report immediately.
Consumer complaint received 2023-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (PA)

My PSLF was accepted certified and submitted to Mohela on XX/XX/2022. I have spoken to Mohela to ask the Federal Student Aid be provided the credit information. XXXX sent me a form indicating Federal Student Aid is waiting on Mohela to provide the counts to them. I have spoken with Mohela often and requested. Assure this is happening. I am consolidating loans. This is urgent information for XXXX. I can see my credits for PSLF on Mohela site and on my account. Unfortunately my servicer, Mohela has not provided Federal Student Aid with the information.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

I am writing this letter to request that my in-school deferments are waived/ reversed for XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX. XXXX reason is that I am part of the XXXX v XXXX case due to going to a fraudulent college ( XXXX XXXX XXXX XXXX XXXX ). As a result, any student loan related information/penalties pertaining to that college should not apply to me. This includes the in-school deferments shown on my Mohela and student aid accounts. 

Also, the Master Promissory Note ( MPN ), contract, between myself and federal student aid was not abided by from federal student aid nor XXXX. The XXXX states that if the XXXX processes a deferment based on information received from my school, I will be notified of the deferment and will have the option of canceling the deferment and continuing to make payments on my loan. ( This was not offered to me. ) The XXXX received information from my previous schools about my status, but the XXXX failed to inform me unlike what was stated in the XXXX. Both XXXX XXXX XXXX XXXX XXXX and XXXX University provided information regarding my enrollment status, but the DirectLoanServicingCenter did not inform me of the option established in the MPN. Therefore, my time in in-school deferent for those periods should be waived as the XXXX nor federal student aid abided but the contract.
Consumer complaint received 2024-05-21
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. (NY)

I am XXXX XXXX and I file this complaint on my behalf because I saw inaccuracies on my report such as PAYMENT HISTORY, ACCOUNT STATUS unknown Inquiries and Mis-spelled name and previous addresses, it affects my financial status this past few months,
Consumer complaint received 2024-05-21
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. ()

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX Balance Owed : {$0.00}