davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-20
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX ) to collect a debt of {$3200.00} on a XXXX card I never applied for, let alone used. I called XXXX card ( XXXX XXXX XXXX/ ) at XXXX to let them know of the incidence. Upon checking my Experian credit report, I noticed a XXXX card was opened on XX/XX/XXXX, without my knowledge. The account was written off with a balance of {$3200.00}, the same amount listed in the XXXX letter. The account was opened using the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, which I do not recognize. I XXXX  the address and found out that it belonged to a XXXX XXXX XXXX https : XXXX ). The credit card is clearly fraudulent. 

I've filed a police report, and XXXX has confirmed this is a case of fraud and closed my account. I am reporting this to the CFPB in order to place an extended credit alert to the credit bureaus. I'm also reporting the incident for documentation in case there other victims.
Consumer complaint received 2024-03-26
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)

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 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 seven 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 2023-06-03
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. (MD)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX Balance : {$9300.00} ; XXXX XXXX XXXX XXXX Balance : {$5400.00} ; XXXX XX/XX/2022 ; XXXX XXXXXXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX  XX/XX/2022.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

On XXXX/XXXX/XXXX I discovered my credit information had been part of the Equifax hack. I am very concerned for my future now. I was planning on buying a house next year and now I feel as if everything is up in the air.
Consumer complaint received 2023-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$23000.00}
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

When I went to XXXX XXXX I signed a promissory note my freshman year to take out a $ XXXX loan for my tuition. To my knowledge that was the only loan I had once I graduated. After my freshman year I obtain a XXXX XXXX  and received multiple scholarships and became a part of multiple groups like the XXXX Program that gave scholarship money for the the next 3 years that I was there. I also moved off campus my sophomore and junior year. I didn't move back until my senior year. 

Once I graduated I found out that my school took out a loan for me my junior year for about $ XXXX. I knew nothing about this money and I saw no parts of it. I advised the department of education that this was fraud and submitted a fraud claim. They inturn sent me a copy of the promissory note from my freshman year basically saying since I signed that my school had the right to take out loans without my knowledge. That is some bull. 

I pay all my bills and I'm currently paying on the $ XXXX loan I had. I just refuse to pay this until someone can show me where or how this money was applied to my tuition. Any bill that I pay has a breakdown of the charges. That's all I'm asking for is a breakdown. Show me how this was applied to my tuition and I will pay. Noone seems to be able to do that and that is my problem. 

There was no reason for my school to have to take out a loan for me my junior year. I lived off campus so my tuition should have been way lower. If I didn't need any loans my sophomore year I should not have needed any my junior year. I had the same scholarships. Also I moved back on campus my senior year and not showing any loans for then. What since does that make? How would I need loans when I stay off campus but don't need any when I move back on campus. Tuition should be way higher. It makes no sense. Anybody should be able to see that and agree. 

Also last year the department of education took my taxes. I disputed it and started the process for arbitration but then my money came back in the mail and my credit was updated to show this as a closed account. 

Also, about a month ago I was trying to refinance my home when I was denied due to credit. I went and checked it out on XXXX XXXX  and it showed this account as closed but it was still showing a payment history. So I disputed this through XXXX XXXX  and they updated it on XX/XX/21 on XXXX to show correctly now XXXX screen shot attached XXXX but on Equifax they put it on there as an open account now showing all these late payments. It has caused my credit score to drop XXXX points. All credit bureas should be showing the same way TransUnion is.
Consumer complaint received 2021-05-20
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: GOLDMAN SACHS BANK USA (AR)

On XX/XX/XXXX, I bought a sofa from XXXX. they delivered me the incorrect sofa model and color. I called them to report the issue and so far they have not send no one to pick up the wrong one and send me the correct one. I have disputed the charges for {$2100.00} plus interest with apple card ( Goldman Sachs ). they never sent me any status o my dispute and they have keeping posting again the charges on my account. they not helping me at all, with this scam. 

Second complaint : Company responded : Goldman Sachs Bank USA received the above-referenced complaint related to the Apple Card via the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal on XX/XX/XXXX. The Bank appreciates the opportunity to address the concerns raised by XXXX XXXX ( the Customer ). The Customers concern references a transaction dispute with the merchant, XXXX, in the amount of {$2100.00}. The Customer initially stated the merchant shipped an incorrect item. The merchant voided a return refund, as the Customer opened a transaction dispute with the Bank. The Bank initiated a three-way call with the merchant and the Customer to facilitate a return of the incorrect merchandise. The merchant advised they are able to schedule a pick-up of the merchandise for the Customer, once the dispute is resolved. The Bank has resolved the dispute in favor of the merchant, as the merchant has agreed to arrange for a merchandise pick-up for an exchange or return. The Customer is requested to contact the merchant in order to schedule a pick-up for the returned item. Based on the above details, we kindly request this complaint be closed. 
Goldman Sachs is in violation of my consumer rights. this issue I had to deal with it has been for the past 9 months. I never agreed to this terms ( Please request recordings of our interactions ). I have tried multiple times on returned the merchandise e and they always lie to me saying they going to send someone to pick up the sofa and they dont send no one.
Consumer complaint received 2023-05-03
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. (OH)

My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX {$150.00} : XXXX XXXX XXXX XXXX XXXX XXXX BALANCE REPORTED {$580.00} : XXXX XXXX, XXXX Charged off XXXX XXXX BALANCE REPORTED  {$580.00} : XX/XX/XXXX Charged off XXXX XXXX XXXX  XXXX BALANCE REPORTED  {$190.00} : XXXX XXXX, XXXX Charged Off XXXX XXXX XXXX XXXX BALANCE REPORTED {$520.00} : XX/XX/XXXX XXXX XXXX - XXXX XXXX REPORTED {$1900.00} : XX/XX/XXXX Charged Off XXXX XXXX REPORTED BALANCE {$260.00} : XX/XX/XXXX Charged Off XXXX XXXX  REPORTED BALANCE {$1000.00} : XX/XX/XXXX Charged off XXXX XXXX XXXX XXXX XXXX BALANCE REPORTED {$110.00} : XX/XX/XXXX Charged off XXXX XXXXXXXX XXXX  XXXX XXXX XXXX {$2100.00} : XX/XX/XXXX Charged Off XXXX REPORTED BALANCE {$240.00} : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA (GA)

My vehicle was deemed totalled XX/XX/XXXX. I sent the POA and other documents to XXXX XXXX XXXX  who forwarded the information to Kia Motors Finance on XX/XX/XXXX. Supposedly the documents were never received, so the letter of guarantee to actually close the loan was not issued. I was told multiple times before XX/XX/XXXX that the documents were received and the letter of guarantee had been sent. However, when I spoke to an agent on XX/XX/XXXX, I was told the documents had not actually been received. I requested for the insurance to resend and supposedly this was done on XX/XX/XXXX, which KMF verified when I've followed up. I was told the LOG would be sent in XXXX business days and as of today, XX/XX/XXXX, no LOG has been generated. I've called, as well as the insurance company, and each time, no one can provide an answer, but can only escalate the issue. I've requested information 4 times from the Total Loss department and received nothing in response. In the meantime, the loan is still open and I'm required to make payments that are hard to produce, especially considering that I have now had a new car for THREE months.
Consumer complaint received 2021-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2021 at XXXX I made a payment of {$1300.00} cash towards my Bank of America credit card at an ATM located in the XXXX XXXX XXXX XXXX Bank of America branch. At the time the branch manager did not allow me to pay with the teller due to COVID 19 restrictions. My payment was never processed and Bank of America did not return {$1300.00}. I contacted Bank of America on XX/XX/2021 after this incident occurred and over the next months via phone, and I also faxed a copy of the original ATM receipt to XXXX XXXX. To this day, I have not received a check of {$1300.00} or a statement credit towards my account.
Consumer complaint received 2021-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-05-20
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. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX ( Original Creditor : XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$200.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2023-05-03
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. (CA)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2022-11-01
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 (WV)

I have now waited months to receive any adequate information regarding my transaction history dating back to the beginning of the Covid-19 forbearance period. If I can not have access to this information, how am I supposed to make an educated decision with regards to how much I request to be refunded, or if I should request one at all? MOHELA is stalling, as they have been for months. I have sent them at least ten messages and received a reply stating refunds are delayed an additional 60-90 DAYS?! From when? This is madness, if I owed money my wages would be garnished by now. No information, no answering phone calls after hours on hold to be left on the line after two hours and then the elevator music just stops? Then to top it all off, no refund, and no idea how much it will be for. Help
Consumer complaint received 2022-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Went to a used car dealership, and the salesman told me they was only going to run my credit report XXXX time an when i check my report multiple credit pull.
Consumer complaint received 2021-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back and going. I still have remaining balance in my account for my medication. I am not sure If this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report here as I feel that they are not doing there job properly and it is affecting me a great deal as I used my PayPal quite frequently. My email is linked to my PayPal is XXXX XXXX
Consumer complaint received 2023-05-03
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. (RI)

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX Bankruptcy 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I acquired this Capital One credit card in XXXX. Eager to sign up with their web payment service, their website arbitrarily introduced an interface from Credit Wise, a credit reporting vendor they have teamed up with, that I unknowingly signed up with thinking I signed up with Capital One in part due to their logo appearing on the Credit Wise site. 
Unfortunately, they were NOT the same company and as a result of signing up with XXXX XXXX, the ability to sign up with the actual Capital One website was curtailed in cyberspace. So much so that I had to get a level 2 supervisor on the Capital One tech support to resolve my inability to sign up with them. She did and walked me through deleting my new XXXX XXXX account and told me to wait for XXXX XXXX to purge my data. This purge would take 10 days after which, she, XXXX from XXXX, would call me and we would set up my true Capital One account. She called and we did. 
Unfortunately, at the time during this ordeal, I was stuck in the ski ranges of Colorado prior to XXXX calling me and could neither make a payment via the web nor call their phone from any of my or my associates cell phones as we were in a cabin on vacation skiing in Colorado thousands of feet above cell service. All we could do was text. Upon my return, XXXX called and the account went through and I made my 1st payment thinking all was well. It wasn't. Capital One dinged me for a 30 day late payment. No other card has done that as all of my accounts are exceptional having been opened in or around the same months. ( see attached ) As a banking professional, I take great pride on having an excellent score and am accountable for my choices. Yet in lieu of the absolute mess up this ridiculous company has foisted upon many of its 's customers, I will not sit idly by and allow this mark to remain! 
Capital One need to remove this immediately!
Consumer complaint received 2022-11-01
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: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 seven 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.