davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-25
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. (GA)

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXXXXXX XXXX XXXX inquiry on XX/XX/2022 ; XXXX inquiry on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  inquiry on XX/XX/2022 ; XXXX XXXX XXXX on XX/XX/2022 ; XXXX XXXXXXXX XXXX inquiry on XX/XX/2022 XXXX XXXX inquiry on XX/XX/2022 and there is US DEPARTMENT OF EDU XXXX XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Consumer complaint received 2022-11-06
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. (MA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your company notice pursuant 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your company did even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( K ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such noticed may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since i was not aware of the transaction therefore made uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

I hereby request you do the below mentioned things, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  DELETE. THESE LATE PAYMENTS IN PURSUANT TO 15USC 1681a ( d ) ( 2 ) ( i ) From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

I hereby request you to do the below -mentioned things, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE THESE ACCOUNT OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) If you accept my request, i will not escalate this matter to Federal Court. in case, you dont accept the above request, a legal action shall be taken against your your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely XXXX XXXX XXXX Right Reserved Without Prejudice.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MA)

Student Loan company XXXX  XXXX XXXX XXXX XXXXXXXX ( XXXX ) is servicing my loan. Back in 2015 I moved/mailings got crossed payments didn't get made. Once I was notified I corrected this and have been making regular monthly payments since and it's all documented. Since I missed those payments they put loan in default and will not correct my credit report/credit score even though for the last 4 yrs I've made my timely payments. I'm presently trying to go for a mortgage with XXXX XXXX and they are stopping this from going through due to this issue. I've tried to call XXXX they will not help me even though they state oh yes you've been in good standing with us for a while now! I've also provided XXXX XXXX the document with all my payments for the last 4yrs and they still will not help out. I would greatly appreciate it if this could be corrected and done so fast. I'm missing out on being able to buy a home " the all American dream '' which I worked all through school so I could get a promotion and make more money for this home.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I ( XXXX XXXX ) stayed at an apartment complex titled XXXX XXXX XXXXXXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. I kept up with my payments and never missed a payment. I moved out XX/XX/XXXX, but was sent an invoice for a bill of {$93.00}. I paid this bill to XXXX XXXX XXXX XXXX on XX/XX/XXXX. I have a final account statement given to me by XXXX XXXX XXXX which proves that I paid the {$93.00} on XX/XX/XXXX. For some odd reason XXXX XXXX XXXXXXXX XXXX sent this debt to a collections agency titled XXXX XXXX. The Debt is now in collections on my credit report and is currently hindering me from completing a cash-out refinance which I need to complete. I disputed this collections debt to the credit bureaus. XXXX immediately removed this collections debt from my credit report, but Equifax will not remove this debt from my credit report. I do not understand why Equifax will not remove this debt from my credit report when XXXX would. It shows in black and white on my Final account statement given to me from XXXX XXXX XXXXXXXX XXXX that I clearly paid the {$93.00} debt on XX/XX/XXXX. I spoke to XXXX XXXX and explained to them that I had paid the debt to XXXX XXXX XXXX XXXX and they were very rude and did not care and they made be pay the debt again promising it would be removed from my credit report if I paid again. I was so desperate that I ended up paying XXXX XXXX again in hopes that they would remove this debt from my credit report, but unfortunetly equifax will still not remove this debt from my collections report. This debt on my collections report is hindering me from doing a cash-out refinance which is flat out wrong and against all my rights as a customer. Please have equifax remove this debt from my credit report so that I may complete my cash-out refinance. Thank you very much. Please protect my rights as a consumer. This is very cruel.
Consumer complaint received 2022-04-15
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. (IL)

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

15 USC 1681 ( 2 ) ( a ) ( i ) A charge off is considered ordinary income. Since ordinary, transactions or experience are not allowed to be on a consumer report. They have to be removed. Here are the accounts. XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX. Also not one of these accounts have sent a 1099-c forum for any of these accounts. Please remove immediately.
Consumer complaint received 2020-06-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: First Investors Servicing Corporation, Atlanta, GA Branch (FL)

First off I never missed or was late with a single payment to this company. The loan was sold to them and same is true for previous loan company. The loan was paid in full on XXXX. When I initially contacted them they stated they needed 30 days to ensure everything went through and was processed out. Whatever that means. 
I gave them the 30 days and contacted them, I was told it was not processed, via email, and I would have to contact the title department but was given no contact email or phone. When attempting to call them I was placed on hold twice and both times disconnected. Further emails went either unanswered or triggered response with no follow-up. 
I realize they may attempt to use the current global issues as an excuse to not do the right thing, however, would like to remind them NOT ONCE did I receive any communcai0otn stating they would work with me in these troubled times. No notice from them, as I received from every other company I have financial dealings with, so to use that as an excuse would be deplorable. 
All I want is my title, I paid for it and was prompt with payment. They need to do the same. My email address is XXXX. this should allow them to look into this
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (NY)

I was e-mailed a promotion on approximately XX/XX/23 from Applecard that said, " sign up for an Applecard, spend {$1000.00} within 90 days, and then receive {$150.00}. '' I signed up for their card through the e-mail they sent to me around XX/XX/23. I was immediately approved that night through their e-mail link. A couple days later I got another e-mail stating my physical card was on its way. 
I received the Applecard and spent the required {$1000.00} within 60 days. I then expected to see the {$150.00} cash back offer credited to my account after I paid off my bill. When it was not, I e-mailed them and then called Goldman Sachs. First they told me they would take care of the problem in two days, then 14 days, each time nothing was resolved. 
Now the latest is they want me to reproduce the original e-mail that they sent to me before they will credit my {$150.00}. 
Nowhere I was told that I needed to save this original e-mail and that I would be required to reproduce it as proof for my credit. My Apple e-mails automatically delete in my account after 30 days and this request makes absolutely no sense to me at all? I heard about the offer and applied for the credit card through their e-mail in the first place. I deleted it because I was already approved for the card. 
The only e-mail I could come up with is the one they sent me a couple of days saying my physical card was on its way. 
I have contacted Applecard several times and it has gotten more frustrating each time. I have talked to multiple managers who truly understand my situation, but have done nothing solve the problem. The people at Applecard clearly know the dates this promotion was going on and that I held up my end of the agreement within the required time frame. 
I have contacted my State Attorney General Office, who passed it to the Federal Reserve Consumer Help, who have recommended that I contact you. 
I really hope no one else is dealing with Applecard 's fraudulent and deceptive practices.
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Dave Operating, LLC (GA)

Dave bank frequently over and over confused banking transactions including omissions of refunds and giving misleading account balances I have been robbed by them and they refused to refund returned merchandise from business contacts and disguise their deceitful practices and did not permit fair opportunities An derogatory transaction of over {$2000.00} appeared as check deposit account AND WITHDRawl I do not recollect but as a expected check in shared residence with shared wifi I suspect dishonesty at Dave Bank as they proclaim stating encryption XXXX bit is standard basis in institution
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (OH)

My credit card account was taken over last year and fortiva has failed to update negative information and the credit card account itself. On top of that bombarding me with emails asking for me to pay interest charges and late fees from the result of my account being compromised.
Consumer complaint received 2020-06-16
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. (CO)

On XX/XX/2019, I received a SPECIAL OFFER letter from XXXX XXXX XXXX XXXX : CALL ABOUT OUR 2+2 PROGRAM! YOU PAY 2 PAYMENTS AND WE WILL PAY 2 PAYMENTS ON YOUR ACCOUNT. 
PAY THE 2 PAYMENTS AND WE WILL BRING YOUR ACCOUNT COMPLETELY CURRENT AND CREDIT YOUR BALANCE FOR 2 ADDITIONAL PAYMENTS. 
YOU PAY {$300.00} WE PAY {$300.00} To take advantage of this amazing offer from XXXX XXXX I called the number on the letter XXXX. The rep said that I actually owed {$620.00} so if I paid {$310.00} while on the phone, they would match my payment, bringing my account current and no more collection calls. 

If XXXX XXXX never fulfilled their part of this deal how is this not deceptive and unfair? I called a few times to ask where is the credit of {$310.00} and also ask why I'm being harassed multiple times a day for nonpayment. If XXXX would have honored our agreement, my total account balance would have been only been {$0.00}, but instead, XXXX XXXX continued to harrass me daily and report negative payment information to all 3 bureaus. 

XXXX XXXX has been removed from my XXXX credit file but the results from my dispute with Experian and XXXX   have not been in my favor regardless of my supporting document. 

I've attached supporting documents that show any info that XXXX 's has voluntary reported to different sources IS CONTRADICTING. 

XXXX XXXX continues to report late or missing payments but why haven't they reported the special offer that was sent to me. Why haven't they reported their promise to pay {$310.00}?
Consumer complaint received 2023-01-17
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 (KY)

I'm writing to appeal the sudden, permanent limitation of my Paypal account without a valid reason. I have followed all of the user agreements and have not done anything wrong. I understand that it is important to review accounts to keep Paypal a secure environment. I am willing to provide any information necessary to help reinstate my account and kindly ask that you re-examine the matter and allow me to regain access. Thank you.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2023, Bank of America, XXXX XXXX XXXX, XXXX XXXX TX XXXX processed a credit inquiry against my Social Security Number for a credit card application. The address added to my Experian account due to this inquiry was : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. 

My addresses listed on my credit report are in XXXX and XXXX. Ive never been to or lived in New York. Bank of America failed to properly research the credit card application. I have a savings account with my wife with Bank of America. My Social Security XXXX was in their system at the time they processed the credit card application. They should have seen the differences in addresses and questioned/stopped the application. The New York address was not on my credit report at the XXXXime of Bank of Americas inquiry. 

Ive tried for 5 days to get some kind of contact/answers from Bank of America XXXX Every time I call, I get shuttled around between departments and never get any resolution. Most times, the call is terminated before I even get to speak to the next person. 

I have had to freeze my credit on all 3 credit bureaus and have issued fraud alerts with each bureau. Ive done the same with my wifes credit. Ive filed a report on Identifytheft.gov.
Consumer complaint received 2020-06-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened a checking account online with SUNTRUST ( after moving to XXXX from XXXX to be close to my family during the pandemic ) and during the process, requested a funds transfer from my old bank in XXXX to fund the account. Over the subsequent 14 days, this new account was flagged for 'fraud ' 3 times and 3 times I called customer service and 'resolved ' the issue. I spoke to my bank in XXXX, and they said they were not flagging the transaction and everything seemed okay from their end. This also included one trip to the branch to 'verify ' my identity - the branches are not 'open ' but will do transcations through the drive-through. The final phone call - after spending another hour on the phone, the woman told me I would have to go back to the branch again and verify my identity again. I asked that my checking account, still unfunded, be closed and she said she couldn't do that because of the 'fraud ' but that the account would close on its own. I gave one final effort and contacted my local branch via the phone, twice over a 3 day period, to see if they could help. They said there was nothing they could do if it was in the hands of the fraud division. I filed a complaint with the bank. The branch reps also told me the account would close if I didn't fund it. I'm now getting notices that my account is OVERDRAWN and the account is still active.
Consumer complaint received 2022-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MO)

When checking my credit report about 7 months ago, I noticed a collection account on there from Southwest Credit Systems ( SCS ) by way of XXXX XXXX. I had no knowledge of the debt, so I disputed it on all three credit bureaus. I never heard anything back, but when checking on my report, the debt was still there. I then contacted SCS by phone to let them know that it wasn't my debt and need to be removed. XXXX XXXX made a mistake on my account and sent this untrue information to SCS. I have a letter from XXXX XXXX stating that they made a mistake on my account and that a refund would be issued. I've contacted SCS several times to get the item removed, but have been giving the run around when I call. About two weeks ago, I called and at the time was told I owe {$120.00}. The original amount, which is still on my reports is {$730.00} owed. My fist issue, even if I owed the {$120.00}, which I don't, why is my credit report showing me still owing {$730.00}? Another time when I called, the rep on the phone stated that the account was paid in full, which again I don't get because I didn't pay on this fraudulent debt. My second issue, if it's showing paid in full on SCS screen, why do they still have it listed as a balance owed of {$730.00} on my credit report? When questioning the reps, they got real irritated and transferred me to some VP voicemail, which was over a week ago, and I still haven't heard back from anyone. I'm tired of the run around and it seems as I'm getting different information every time, all which is inaccurate, yet they haven't removed the false information from my report. The lady on the line claim that they don't remove or add things to our reports, they just collect on them. The last issue is that I've been contacting this company to get the inaccurate information removed, with getting the run arounds, no call backs and being told anything ... .I look on my report today and it shows they updated the past due amount of {$730.00} on XX/XX/20, which is inaccurate. When I called SCS today on this, the rep said the balance is paid in full. Someone please help, this inaccurate information is causing issues with my credit. Just a side note, these companies always claim that the calls are recorded, please make them pull the calls from my conversation, so that you can hear exactly what I'm talking about.