davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GOLDMAN SACHS BANK USA (CA)

I hope this letter finds you well. I am writing to express my gratitude for your prompt attention to my previous inquiry regarding the late payments on my accounts. I am pleased to acknowledge that the late payment entries have been corrected, and I want to thank you for your diligence in resolving this matter. Your swift action in rectifying the reporting errors is greatly appreciated. I understand the importance of accurate credit reporting, and I am relieved that my credit history now reflects the correct information. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or APPLE CARD/GS BANK USA XXXX a customer service representative. Once again, thank you for your prompt and effective resolution of this matter. I appreciate your professionalism and commitment to customer satisfaction.
Consumer complaint received 2023-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

Every time we have had taxes due, XXXX  yearly for the past XXXX  years going on XXXX, our mortgage company ( Pennymac ) has missed the payment XXXX XXXX times now ). When we have brought this issue to their attention, they give us a generic response. They state that they know the due dates and will make the payment before it is due. However, every date has been missed, resulting in receiving a delinquency letter from the city, along with a fine for being delinquent. Additionally, the loan servicer has completely mismanaged our escrow account and it is below where it needs to be as a result. This has caused our mortgage payment to increase {$600.00} a month. Overall we have very little faith in this company managing our mortgage for the next 28 years due to these huge oversights on our account.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SC)

I filled fraudulent claims in time with Wells Fargo. 
They paid a few fraudulent withdrawals from my account from international companies and found the. To be fraud THEN denied others from the same company! I have tried to work with them and then they closed my accounts!! No trusted them with my inheritance and they did nothing to help me get my fraud claims resolved! Its their way or in my case in debt and broke! They have put me with bad credit and no money! They let thieves take my money out of my account! 

Once contacted I will forward all of the bank statements
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
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. (WI)

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. 

Lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

UNIVERSITY XXXX XXXX XX/XX/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 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 1681c. ( 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 XXXX years. 

15 U.S.C. 1681s-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 2024-05-07
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: OneMain Finance Corporation (VA)

ON XXXX I HAVE XXXX CREDIT INQUIRIES, AND ON XXXX I HAVE XXXX INQUIRIES THAT I DO NOT RECOGNIZE. I TOLD THEM ABOUT THE INFORMATION ON MY CREDIT REPORT SUCH AS MY ADDRESS IS NOT CORRECT SO IT IS INVALID. I ALSO REACHED OUT TO THE COMPANIES AND THEY TOLD ME THAT THEY DO NOT HAVE THE RESOURCES TO HELP ME. 

PLEASE CONTACT THE FOLLOWING COMPANIES ON MY BEHALF OR XXXX PLEASE XXXX 

- XXXX : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) - XXXX : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), ONEMAIN FINANCIAL ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX )
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

LVNV FUNDING/RESURGENT is not licensed to perform debt collector practices in the state of Texas. Per Texas Consumer Law, third party debt collectors are not allowed to give false information about the consumer to anyone, including the credit agencies. In addition, according to the Texas Secretary of State, third-party debt collectors and credit bureaus must file a {$10000.00} surety bond before they can engage in debt collection activities. Per the attachment, LVNV FUNDING/RESURGENT is not licensed or certified to perform any debt collection practices in the State of Texas.
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Reference : Dispute with XXXX XXXX XXXX on XX/XX/ for {$79.00}. 
Case Number : XXXX On XXXX, the amount of {$79.00} was unlawfully and without my authorization placed on my Platinum Capital One Credit Card by XXXX Airlines. 

I contacted XXXX XXXX XXXX customer service department 3 times to discuss this issue and each time I was placed on hold for over 1 hour or a manager never returned my phone calls, so I contacted Capital One to dispute the charge. 

I submitted all the documentation Capital One was requesting to dispute the unauthorized charge to my account, however, Capital One is refusing to credit the {$79.00} to my account.
Consumer complaint received 2023-11-16
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MI)

I received a {$100.00} amex ( American Express ) gift card from my employer. For over a year I have tried to use this card numerous times. It does not work on any online retailer I have tied. My card shows it is activated and has a balance of {$100.00} on the amex website but I am getting decline for every purchase I try to make. All attempted purchases are for les than the balance of the card yet it is still getting decline. 

Amex has made it impossible to contact customer service. The number they provided on their website only takes you to an automated line with no chance of every speaking to a human being.
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

Experian Experian is not complying in Good Faith with the XX/XX/2018 Credit Freeze Law making the process so time consuming and manual, a consumer effectively " gives up ''. 

* Even though I have an Experian account, when attempting to place a freeze through my already verified account, Experian 's web application responds saying it can not freeze my credit. 

* Experian has removed all live support for their telephone numbers made public to consumers regarding credit freeze and instituted circular, non-freeze related topics for all available options. 

Thus Experian is not enabling credit freezes as per the Law and removed any support to report this issue through phone or web options.
Consumer complaint received 2023-11-16
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: Credit Corp Solutions Inc. (IN)

Sent letter to company to validate alleged debt on XX/XX/XXXX. Company reported to credit bureau account was accurate dis regarding laws on XX/XX/XXXX I am filing a complaint regarding the verification process of a debt, noting apparent violations of the Fair Credit Reporting Act ( FCRA ) Section 611 and Section 623, along with the Fair and Accurate Credit Transactions Act ( FACTA ) Section 312. The verification of this debt seems to have disregarded FCRA regulations, and there have been clear violations in reporting inaccurate debt without proper verification as mandated by these sections. 
Under FCRA Section 611 ( 5 U.S.C 1681i ), I am entitled to a proper investigation into the accuracy of reported debts upon request, which, in this case, was not adequately fulfilled. Furthermore, FACTA Section 312 emphasizes the accuracy and integrity of information reported to credit bureaus, requiring diligent verification to prevent inaccurate reporting. 
This failure to provide requested information and validate the debt raises significant concerns about compliance with FCRA guidelines. Non-compliance could result in misleading and unjust repercussions on my credit standing. 
I urgently request immediate action to rectify this matter. I will attach the original documents I provided for your review. According to FCRA Section 611 ( a ) ( 7 ) and FACTA Section 312, inaccurate information must be promptly corrected or removed from the credit report, and any debt found to have violated verification requirements should be dissolved.

I implore swift resolution in alignment with these FCRA and FACTA statutes to ensure fair and accurate credit reporting practices are followed. If you'`re unable to perform a reasonable investigation, or you're unable to locate the necessary documents to investigate my dispute ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. Furthermore, per FCRA Mandates, it is required that this misinformation be forevermore blocked from re-reporting attempts, now or in the future by your company and/or any entity. 
Sent to Credit bureaus as well.
Consumer complaint received 2023-04-10
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. (TX)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One advertised their Venture X credit card with a {$390.00} annual fee to users, including one important benefit of this credit card being : the ability to convert the accumulated reward points on the credit card account to loyalty points of Capital One 's transfer partners. However, this functionality has been broken for me personally. I am able to sign into my credit card account, however, Capital One 's website request an additional authentication via text message when I try to use this function. Their system then returns an error message stating " the phone number provided can not be verified '', thus preventing me from using this aspect of the reward program. 
My cell phone is setup on my venture X account as the primary phone number, and has been verified by Capital One 's system. My phone is also capable of receiving all text messages, including the 2-factor authentication code needed to sign into my capital one account. Only the " convert reward '' authentication fails. 

Thanks
Consumer complaint received 2023-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have become a victim of identity theft. I have filed reports with the Federal Trade Commission. There are recent inquiries on my report that I did not authorize. Additionally, I have two pending XXXX XXXX XXXX Settlement Claims due to the ongoing nature of my data being circulated for sale on the dark web. 

These inquiries are fraudulent and do not belong to me. Please remove them from my TransUnion credit report. Also, these inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-11
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: CITIZENS FINANCIAL GROUP, INC. (NC)

I got a letter from many companies one is : Citizens One Auto Finance I never applied for a Auto Loan with XXXX XXXX They misspelled my name I never filled out any application I have been getting these for day now and I do not know why? I just saw my credit hit by negative and down XXXX points
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate. 
these items to ensure accuracy. 
Here is the Item I am asking you to verify as accurate. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-16
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: AMERICAN EXPRESS COMPANY (SC)

The law states 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.

I didn't give this company any written instructions to furnish my credit report for any reasons. This company is in violation of multiple laws like Identity Theft as I did not provide my personal information to them and In violation of 15 USC 1681b permissible purpose.

I am requesting that they show proof of the written instructions given from me or remove the inquires from all three of the credit reporting agencies ( XXXX, XXXX and XXXX ) immediately as it has caused me to have a bad reputation, character, and denial of credit from lenders due to inquiry.
Consumer complaint received 2023-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

CARD WAS OPEN FRAUDULENTLY. I DID NOT OPEN THIS CARD. I AM A VICTIM OF IDENTITY THEFT. I HAVE TRIED SEVERAL TIMES WITH THIS COMPANY AND NOTHING HAS MOVED FORWARD. PLEASE REMOVED THIS FRAUDULENT ACCOUNT OFF ALL CREDIT REPORTS.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC. (PA)

I woke up today to my Sofi bank account being randomly Temporarily restricted. I Called multiple times today, I tried emailing Them as well To only be told its nothing they can do Until the investigation team resolves the issue. I tried asking is there a timeframe to be told its no timeframe. I also tried to Ask to be transferred to someone from the investigation team to be told I can not be transferred. I have bills due and I can not access my account because it was randomly temporarily restricted for no reason at all
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC. (PA)

My Sofi Bank account was randomly Restricted On XXXX XXXX. I tried calling, I tried emailing and nobody answered or assisted me. The only response I am getting over and over is that I have to wait until the investigation is done. I can not get in touch with the team who is investigating or there isnt any Timeframe on when it would be resolved. I have bills that are due and my funds are still frozen in my account and its been 4 days with no response or anything
Consumer complaint received 2023-11-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

company is being harassing with repeated calls. Ive blocked number but still receiving calls. they refuse to provide any type of documentation. Additionally, ive not done business with profile recovery or aware of any debt. The harrasing calls and other forms of communication have been ignored. This company is harassing me and my family for money.
Consumer complaint received 2023-11-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

Navient is being held in a class action in multiple states for illegal practices. There have been lawsuits filed by several of the states allege that Navient broke a wide range of state and federal laws as a student loan servicer, including by pursuing a years-long scheme to steer borrowers into high-cost repayment options and away from income-driven repayment. 

I feel like I have been affected and apart of their illegal practices and something needs to be done for the people in Georgia to receive help.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (FL)

Upon reviewing my XXXX credit report I noticed that my student loans are being duplicated. They are on there both from Nelnet and XXXX XXXX. I called NelNet and they told me that XXXX needed to close them out, so I called XXXX and they told me it is on NelNet and the credit reporting agency. It is turning into a ping pong game. This is fraudulent- they are reporting almost XXXX of duplicated loans which is false. This needs to be corrected ASAP.
Consumer complaint received 2023-11-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Viking Client Services (SC)

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX  whose collection agency Viking Client Services is reporting a collection amount of a {$3800.00} balance. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX XXXX XXXX XXXX  respectfully. Thank you in advance for your attention to this matter.
Consumer complaint received 2018-12-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Certegy Holdings, LLC (KY)

The company Certegy did NOT contact me in any way about a problem with a check. They immediately turned it over to a collection agency. The money was in the bank for the check. It was a cashier error. The cashier had a problem pushing my check through the machine so he wrote void on my check, entered my information in the register & had me sign electronically. This was on XX/XX/XXXX. This was on a checking account I share with my mother. On XX/XX/XXXX I had a personal check denied at another store. When I called about it I was told I had a " returned check ". This was the check I wrote on the account I share with my mother. 
What caused the problem is this : the cashier entered my check number where my account number belongs & the account number where the check number belongs, therefore it did not recognize my account. 
IF I had been notified this could have been cleared up faster. I feel my credit and my mothers credit has been damaged by this going directly to a collection agency. 
Is this legal? Don't they have to notify people first? 
On XX/XX/XXXX I authorized XXXX  to withdraw the money to pay the check but as of XX/XX/XXXXthere was still a CLAIM showing. This is not right. 
Please help me.