davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Dear Cfpb & Credit Bureaus ; XXXX XXXX! I have actually been trying to reach out to the CRA 's for the last 6-8 months to attempt to remove/delete unknown, not-required previous or old addresses from my credit report, but for some reason, I'm unable to get any results or responses from them ;, TransUnion, XXXX, and XXXX. I've mentioned and listed the addresses that I need to be removed from my credit report. Honestly, the only address that should be listed in my current address. Anything else needs to be removed ; for example, i need the following removed : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX, CT XXXX.
Consumer complaint received 2020-03-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

In XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX A collection agent for XXXX XXXX XXXX XXXX  XXXX . 
I was offered a settlement amount of {$5300.00} Paid in 3 Installments ; XXXX {$1700.00} XXXX {$1700.00} and XX/XX/XXXX for {$1700.00}. After my final payment I was to receive a letter stating the debt was paid in full And a XXXX balance due would be indicated on my credit report. 
The day my last installment was processed, XXXX XXXX  recalled my debt from the creditor And went back on the agreement XXXX HAD MADE WITH ME. The agreement made with me, which I have in writing is not being honored and XXXX is only deducted the money I paid to leave a balance of over {$9000.00}. Still owed. 
I sent the letter and the evidence of the installments paid by my bank to EXPERIAN and they updated my file but it does not reflect the agreement made with me by XXXX while working for XXXX. 
Can you please require XXXX to honor the arrangement made with me Thank you f
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (TX)

After reviewing my personal credit report I attended XXXX XXXX XXXX XXXX XXXX in XXXX the school was under federal investigation of fraud and accreditation at the time. Due to the school going through this investigation in XXXX I am questioning the credibility of my diploma and student loans. The investigation was found as an false claim act in XXXX showing misuse of funds and a lucrative scam. The paper work required to enroll was forged by school officials which resulted in thousands of loans and tuition granted to students like myself. I was lured in to believe that this would be beneficial to my career. proof Quoted from XXXX " XXXX False Claims Act complaint was filed in secret in XX/XX/XXXX. It alleged that XXXX had engaged in a systematic and nationwide fraudulent practice of forging documents and records to create an appearance of student eligibility in order to receive federal funds. Due to these findings I was disbursed money while this institution was under federal investigation which is against the FCRA. This has caused me to have thousands of debt that is unwanted and a diploma that is ineligible. I am experiencing hardships with repaying loans that I never should have occurred due to this federal investigation. I am requesting you send this information over to fedloan servicing, XXXX, XXXX, tXXXX and any other parties who have access to my information and debt.
Consumer complaint received 2020-12-25
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 (OH)

I currently have an apple card. I was going to make a purchase on XXXX but the seller said that he could have me make the purchase on his website and it would be cheaper for shipping and taxes. So I went to the website and used my apple card to purchase the item online. The total was over {$3800.00}. I realized less than 5 days after making the purchase that the vendor ( XXXX, XXXX ) was fraudulent based on my communications with him. I immediately confronted the vendor and he showed me screenshots that the money was refunded. I contacted apple card support with the information and they filed a dispute. 

Approximately 2 months later, I received an email saying that Goldman Sachs ruled in favor of the merchant. I was upset and called back, I was never provided a phone number to speak with anyone at Goldman Sachs. Apple card support said that their employee had entered the initial dispute incorrectly. Since I had never received the items, I would have to have it reentered. I said I had tons of images of text message conversations with the vendor on the phone and the support agent said that they would contact me to ask for this evidence. I was never contacted. 

I received an identical email after several weeks stating that Goldman Sachs had ruled in favor of the vendor. I have called them at least 5-6 times at this point with no resolution. Each time I submit a claim, they email me a month later saying that they ruled in favor of the client. I never received my item and I am out nearly {$3900.00}.
Consumer complaint received 2022-12-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

Date : XX/XX/XXXX Total of {$2700.00} Things purchased : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of these things were purchased on the dates of XX/XX/XXXX, and XXXX of the year XXXX, the first 2 purchases were made at the same location of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX The last purchase was made at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I contacted Best Buys customer service on XX/XX/XXXX and they told me that they will close out the old credit card first used for the first purchases and provide me with a new credit card number. On XX/XX/XXXX the last purchase was made with the new credit card number provided by Best Buy. I am just wondering how these credit card fraudsters managed to get my new credit card number when I dont even have the credit card yet. My credit balance is also a max of {$3000.00} and now there is a total of about {$3900.00} that I owe to that credit card.
Consumer complaint received 2020-12-25
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: National Credit Systems,Inc. (FL)

I received notification that there's a collections account on my credit reports from " National Credit Systems , Inc '' but I have never heard of such a company. I have never signed anything with, nor communicated with this company. I believe this collections account may belong to someone else and was placed on my credit reports in error. I request copies of anything this company may have with my signature and/or social security number, if any documents they may have exist. I request that this account be removed from my credit reports.
Consumer complaint received 2020-12-25
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. (MD)

i submitted disputes with Equifax and they are either not carrying out the investigation or not sending me the results i submitted a 3 dispute with the CFPB on XX/XX/2020 its XXXX/XXXX/2020 still no results the responded through the CFPB website saying they are carrying out and investigation still no response it has exceeded the 30 days required by law if you look in your system it has exceeded the 30 days required since i submitted through you the CFPB
Consumer complaint received 2020-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada) (OR)

I learned about a fraudulent account by checking my credit report. It was a collection from Allied Collection Service for an account with XXXX XXXX opened XX/XX/2019 for {$600.00}. I initially disputed the collection with XXXX  and XXXX, but received notification that my dispute was " resolved ; reported by grantor '' and it was not removed from my credit report. I then called Allied Collection Service at ( XXXX ) XXXX, at which time they said the only ways they could look up my account were by account number ( which was not listed on my credit report ) or my social security number. They said they don't have the capability to look up accounts by my name, which is unbelievable. Since the original XXXX account is definitely fraud ( we have only ever had XXXX ), I believe the collection agency may also be fraudulent. I did not give them my SSN, so they said they couldn't help me. But, they did transfer me to a recorded message about reporting fraudulent XXXX accounts. I completed the Identity Theft Affidavit form on XXXX 's website and sent that in today. I also found a lot of articles about fraudulent XXXX accounts, so I think this problem is pretty widespread. Even if this collection agency is legitimate, they certainly did not do their due diligence in verifying the account was actually mine before reporting to the credit bureaus. Additionally, I had never received one bill or notice from Allied Collection Service ( or XXXX ) ever.
Consumer complaint received 2022-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (DE)

Why is my account SUDDENLY FROZEN?! 

There is absolutely ZERO " suspicious activity ''. My transactions are pretty much the EXACT SAME EVERY WEEK, folks! 

In almost XXXX XXXX XXXX XXXX  YEARS, I NEVER had this issue with CashApp ( now " Block, Inc '' )! 

Refer to the attached documents for further details.
Consumer complaint received 2020-12-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My monthly payment is due on the XX/XX/XXXX of each month. I sold my vehicle to XXXX on XX/XX/2020. Capital One Auto Finance sent message vehicle was paid in full XX/XX/2020 and title will be released. They reported my payment as 90days past due even though account was paid off.
Consumer complaint received 2020-03-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc. (NY)

I got this letter in the mail saying that I need to pay {$20.00} on XX/XX/20. I do not have a credit card. Someone is trying to impersonate me. I called the company, the number that was on the paper : XXXX XXXX XXXX XXXX, they said that it's going to take 2 minutes and 30 seconds to talk to the representative. All of the other representatives are on call. So I waited for 5-10 minutes to no avail. Plus, the number doesn't match the area code. The credit collection service says XXXX, Massachusetts, while the member 's area code is for New Hampshire in the North Numbering Plan, not XXXX, Massachusetts. Moreover, credit collection services deals with family insurances, not credit collection services.
Consumer complaint received 2022-12-24
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. (IN)

Pursuant to 16 CFR 313, I am to be mailed every 30 days an 'opt out " notice from each company that is reporting to the third party credit reporting bureaus XXXX XXXX, XXXX, Equifax, XXXX XXXX and any other third party vendors. I have not been provided with one " opt out '' notice. The credit bureaus are only allowed to report that I have an account. No transaction history-No Balance or Limits are to be reported. The only thing that can be reported is that I have an account.

Also pursuant to 31 USC 3123 all public debt is a government obligation and should be discharged dollar for dollar pursuant to HJR 192.

Pursuant to 15 USC Sec. 6801-6805 also states as a consumer I have a right to privacy and each company listing transaction history, balance or credit limit history is a direct violation of my privacy. To list anything other than having an account with a financial institution is a violation.

15 USC Sec. 1666 ( a ) -A creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing.
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (HI)

I have a student affiliated loan that is governed by XXXX. I understand that XXXX is either going through a huge class action lawsuit and or it is or has completed the class action lawsuit. I was contacted several times by representatives informing me and assuring me to go into a forbearance status so that they could offer me steps to have my loan removed and or reduced. During the conversations which took place in XXXX, XXXX and in XXXX, I continued to make payments but was always sidetracked into the amounts and the possibilities of having my loans reduced and or removed. While trying to focus and manage these loan conditions, some payments were either missed and or fraudulently reported to the three credit bureaus. Currently I am on a forbearance again and I have to contact a representative to provide certain information to XXXX so that they can lower my payments. I believe that I am a victim of fraud and corruption with this company.
Consumer complaint received 2020-03-03
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: EQUIFAX, INC. (GA)

equifax has placed my credit file in the Consumer Affairs. 
I have no idea why I can not view my credit report through any monitoring services. There are other fraudulent accounts that are on my credit file the company refuse to remove or block. They are not complying with the FTC law. The account is XXXX XXXX.
Consumer complaint received 2020-03-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Glasser and Glasser, PLC (MD)

I was on a special repayment program and I completed the terms. I then became unemployed due to no fault of my own and was receiving minimal unemployment payments. I tried to make ends meet, but my mortgage became behind and I had to stop paying on the credit card because my family needed housing and food more. I tried to talk to XXXX and they were unwilling to help me. I could not get in touch with them often as I eventually went back to work and my work hours were the only times they were open. I tried writing to them and no response. They have since sent my account to a collection agency who will not return my calls or respond to my messages. I attempted to contact XXXX because they have filed legal action against me without providing me with any details. XXXX refuses to discuss any details about my account even though they have filed a court case against me. I have called them trying to work out a repayment plan with them for settlement but they refuse to speak to me. I have sent them payments when I had funds available to do so and they failed to report those payments made. Glasser and Glasser agents refuse to return my calls or messages and refuse to offer a reasonable repayment option.
Consumer complaint received 2020-12-25
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

At this point my FCRA rights have already been violated. I noticed CAP ONE AUTO had a discrepancy in the " payment history '', " past due '', " date of last activity '', date of last payment '', date opened ' section of the listings. XXXX  and XXXX  are reporting a " date opened ' of " XX/XX/XXXX '', however XXXX  is reporting a date opened of " XX/XX/XXXX ''. XXXX  and XXXX  are reporting a " date of last payment '' of " XX/XX/XXXX '', however XXXX  is reporting a " date of last payment '' of " XX/XX/XXXX ''. XXXX  is reporting a " date of last activity '' of " XX/XX/XXXX '', however XXXX  is reporting " date of last activity '' on " XX/XX/XXXX '' and XXXX  is reporting " date of last activity '' at " XX/XX/XXXX ''. Also this account is reporting as a collection/charge off which means it shouldn't have any payment history or past due balance ( {$15000.00} ) reflecting. This is a violation! If this is the same account, reported by the same creditor how are these numbers and dates different? Because of this apparent neglect in ensuring everything on my report is accurate consistent and up to date please " DELETE '' this item immediately.
Consumer complaint received 2020-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one has flagged my account and put it in some sort of category where i have a low credit line and i make a really high income also have investment. 
i have a low credit line of {$900.00} there was a dispute done before for an inquiry they said i made a dispute with my car i owned at the time that i never missed a payment. 
the credit card was supplely disputed never made a late payment as well. i recently applied for a card with capital one and got a line for {$500.00} this is unfair as a customer. i never disputed any of my accounts directly with capital one. the ones that did this was XXXX tarnishing my name and making me look bad. i will take legal action against XXXX  soon.
Consumer complaint received 2022-12-24
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. (KY)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have still items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. I am including those items mentioned above. 
Here it is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY (TX)

My FCRA rights have already been violated at this point. I have attempted to rectify this issue but to this point haven't received any updates whatsoever on this matter. There was no notice that a proper investigation has taken place or in process. Upon viewing my credit reports I noticed TARGET/TD had a discrepancy in the " account number '', " date of last activity '', date of last payment '', date opened '' and " payment history '' section of the listings. XXXX and XXXX are reporting a " date opened ' of " XX/XX/XXXX '', however XXXX  is reporting a date opened of " XX/XX/XXXX ''. XXXX  and XXXX  are reporting a " date of last payment '' of " XX/XX/XXXX '', however XXXX  is reporting a " date of last payment '' of " XX/XX/XXXX ''. XXXX  is reporting a " date of last activity '' of " XX/XX/XXXX '', however XXXX is reporting " date of last activity '' on " XX/XX/XXXX '' and XXXX  is reporting " date of last activity '' at " XX/XX/XXXX ''. Also this account is being reported as a collection/charge-off which means there should be no payment history reflecting on the credit report. This is a violation! This account is also reflecting a " past due balance '' of {$1500.00} which is another violation if your reporting this account as a collection/charge-off. You cant report a balance owed and a " past due '' balance as well. If this is the same account, reported by the same creditor how are these numbers and dates different? Because of this apparent neglect in ensuring everything on my report is accurate consistent and up to date please " DELETE '' this item immediately.
Consumer complaint received 2020-01-17
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: Mr. Cooper Group Inc. (KY)

We contacted XXXX XXXX to inquire about a home equity line of credit. XXXX XXXX XXXX XXXX NMLS # XXXX was the agent assigned. I explained to her that I wanted a home equity line of credit only. She said that was fine and just needed to run our credit. After running a hard inquiry on our credit history, she stated our credit was good however XXXX XXXX does not offer home equity loans. I asked why she would do that when she was aware we only wanted a home equity loan. She stated that it so she could offer others XXXX XXXX products. The credit report was ran under false pretenses and caused our XXXX XXXX to drop. We have contacted XXXX XXXX to ask for help with correction of our credit report. She has not responded.
Consumer complaint received 2023-01-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I've been paying too much for 2 years and they will not give me a payout option or refinance option the vehicle is at {$150000.00} miles and they won't even send me a new updated payment book which I lost the first one to know where I'm stand and how many payments I have left they never respond to me and one time on the phone they tried to be little me over One late payment.