davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (NY)

Sense I have had the card payment do not post right away to my balance awed. So if for example my balance was XXXX and I make XXXX payment for 3-30 days before it shows XXXX balance owed. Every rep I speak with I get a different answer all they want to do is do the same troubleshooting on my phone after 20times maybe Apple Card should check their system. They want me to take time off of at my expense to trouble shoot my phone for their issue. I beleive this is a ploy to collect extra interest cause right now if I make a payment after the 15 th of the month there is an 80 percent chance Im paying interest cause it more than likely it will the same month
Consumer complaint received 2024-04-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I am writing to formally register a complaint regarding the circumstances surrounding the acquisition of Navient loan number XXXX. The process through which this loan was obtained involved unethical practices, including high-pressure tactics and dissemination of false information by both the school and the lender. 

During the loan acquisition process, I was subjected to undue pressure and coercion by representatives of both the educational institution and the lending institution. Misleading information was provided, leading to the acquisition of high-interest private loans under false pretenses. Furthermore, the information provided was inaccurate, contributing to a significant financial burden that was not properly disclosed at the time of loan origination. 

Given the unethical nature of the practices employed during the acquisition of this loan, I am formally requesting a discharge of Navient loan number XXXX. I believe that the circumstances surrounding its procurement warrant relief from the financial obligations imposed by this loan. 

I kindly request that you initiate the necessary procedures to investigate this matter thoroughly and provide a timely response regarding the discharge of the aforementioned loan. Loan is currently in good standing after many years of unfair treatment and financial burden. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-26
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hello I noticed unauthorized and unrecognized inquiries on my credit report that I would like removed. I contacted each of these companies and I dont have an open account with them. 


These companies ran my credit unauthorized and I need them removed Please. 


XXXXXXXX XXXX XXXX XXXX XXXXXXXX CAPITAL ONE AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (TX)

I have been misidentified with another individual with a nearly simile name. I was informed that this individual has a nearly similar name, Date Of Birth and SSN his information has been mixed up with mine bringing down my credit score. I went to file a dispute but my XXXX account was locked, I emailed XXXX support and they closed my case without helping me unlock my account.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

None of the descriptors you provided worked for this situation. 

We live in XXXX XXXX in the National disaster area. We were contacted by Truist Bank by Mail and offered help and support. I was curious as to what this was all about. I was told about different options Forbearance, deferred payments, combination of both and Home Equity loans. 
I said we really werent interested. The person I was talking said she would send us a form to fill out and sign if we were interested. When the form came through the mail, I tore it up and put it in the garbage. 
I didnt give it a second thought until this week when I found out from XXXX XXXX that I was being denied credit because You are participating or have recently participated in a payment relief or deferral program receiving modified terms, or credit counseling services, on one or more of your accounts or loans. 
I found the report that was used XXXX and found the problem was with our mortgage that was taken out with Sun Trust now Truist. Under status. Open/Never late. Deferred, payments begin XX/XX/2023. This is not true. We have not deferred payments and dont ever intend to.
Consumer complaint received 2023-10-11
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Veripro Solutions Inc. (VA)

I have tried repeatly to get the amount of the debt so I can do a settlement to no avail. 
I did a loan modification in XXXX when I had a first and second mortgage. The XXXX modify the first mortgage and wrote off the second mortgage I thought the modification cure the second mortgage. I was not aware that I still owe on a second mortgage until Veripro Solution send us a letter in XXXX that we owe them for the second mortgage. I advise them could they provide the balance on the second mortgage and they refuse that information. Over the years I continue calling them for a balance and to make a settlement to no avail.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION (OH)

First Advantage completed a background check on me for XXXX XXXX  employment and my employment was rejected due to a failed background check. I requested a full copy of the FBI background check4 times and was told someone would all me back and no one has. Information still listed is XXXX XXXX XXXX and occurred in 1989. 

I was refused employment for an outdated offense and both XXXX and first advantage refused to tell me why.
Consumer complaint received 2023-08-01
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. (NY)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent and incorrect accounts that are keeping to be established as correct. Be sure to generate a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-03-09
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. (TX)

IN accordance with the fair credit Reporting act. The last of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681 700 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Account name : XXXX Account number # XXXX Account name : XXXX XXXX Account number # XXXX Account name : XXXX XXXX  Account number # XXXX Account name : XXXX Account number # XXXX Account name : XXXX XXXX XXXX XXXX Account number # XXXX Account name : XXXX XXXX XXXX XXXX Account number # 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 1681 ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse 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 reporting agency if the person knows or has a reasonable cause too believe that the information is inaccurate.
Consumer complaint received 2023-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (MD)

Goldman Sachs credit card ( for Apple ) is falsifying credit card dispute investigations, so that they can deny the disputes, and not follow the rules of engagement for XXXX!!!! 

XXXX XX/XX/XXXX : i made a purchase for my XXXX pool heater display part via website XXXX XXXX XXXX XXXX XXXXXXXX? XXXX > never received an order confirmation email and never the purchase that was very much needed >. filed a dispute with Goldman Sachs. The website was a fraud and no longer accessible by this time and the address for the transaction posted on my statement was false! I provided GS with the URL and screenshots of the product order. 
TRANSACTION ON STATEMENT : " XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX '' > over two months later, I received an email from Goldman Sachs telling me my dispute was denied based on proof that I recvd my purchase. Of which is 100 % falsified!!! 

> I've escalated four times with their " representatives ''. I have been promised the dispute was re-opened and I will be contacted., then later promised they were mailing me copies of everything, I have been denied a phone call from their security/investigation department. I have been denied a return phone call from their customer advocacy department or mgmt. And the mastercard charge has been put back on my credit card!! 

as a matter of fact, I spent the entire summer still looking for the part I needed. And found it in late XXXX. I can provide proof of that too if needed!!
Consumer complaint received 2023-03-09
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS) (IA)

I have requested scores from CHECSYSTEMS on 3 separate dates. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
All 3 scores were different. XXXX my score was XXXX. XXXX my score was XXXX. And in XXXX my score was XXXX and XXXX. 

My issue is NOTHING HAS CHANGED ON MY CREDIT REPORT. 
NO NEW ACCOUNTS. NO INQUIRIES. NOTHING HAD CHANGED BUT MY SCORE. 
HOW CAN MY SCORE CHANGE IT NOTHING ELSE HAS? This company also stated that they would remove incorrect information and did not. 
I was also told by the FDIC that my ChexSystem Score did not affect my consumer report and will not weigh on a bank 's decision of approval. I have numerous adverse letters from financial institution that directly contradict the FDIC 's statement.
Consumer complaint received 2023-05-19
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: Avant Holding Company, Inc. (NC)

On XX/XX/XXXX, while on vacation in NY, I noticed a charge on my Avant Credit Card for {$1400.00} from XXXX XXXX NY. I contacted Avant to report my card lost and notify them of the unauthorized charge. They credited my account and sent a replacement card. I thought everything was fine. 

On XX/XX/XXXX, I notice the charge had been re-applied. I was confused, because I thought this matter was complete. I called them and the rep was confused as well. I called back the following day and spoke with someone else, who told me a 'XXXX  XXXX had re-applied it because 'I was in the area ' and/or 'I took a few days to report it lost '. I reported it lost the moment I realized it. 1 called 3 more times over the next week, each time being promised I would get a call back from XXXX, which never happened. I was even promised a call back from the rep who was going to see XXXX the following day. No call was ever received. 

on XX/XX/XXXX, I receive an email from XXXX stating the bank now wants a Police Report, which is fine, however I can not file that online for the reason ( lost card/unauthorized charges ) with the XXXX. I am XXXX miles away as well. I replied back asking how to proceed, but again, I am receiving no replies as of XX/XX/XXXX. 

It seems they don't want to handle the situation properly and are making me regret ever doing business with these third rate credit card companies. 

It was my understanding that I am not responsible for charges made without my consent, but yet here we are.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I have been affected by covid 19 disaster and requested a forbearance for card ending XXXX was granted in XXXX over phone and was told that I will not be required to make any payment, contacted them in XXXX and XXXX and was told the same that the account has been closed and put on forbearance, the negative reporting on my credit report was a error by the bank and will be removed., in the month of XXXX I called back and called bank several times phone, email, bank was closed to customersdue to COVID. The mobile app WAS LOCKED BY THE BANK will not let me make any payment, or transfer money from another bank account, OR MAKE ANY PAYMENTS TO MY CREDIT CARDS .Then they put three months late payment for XXXX, XXXX and XX/XX/2020 on my credit report with Experian & XXXX . 
saw bank Manager Ms XXXX XXXX at the XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX to make the payment and resolve this and was promised that it will be fixed. As I sent an email to Ms XXXX next day the Bank manager went for leave next day for three months as per her email. Their billpayer department accepted that it was a bank error and will be fixed ; I deposited money in my saving account-through teller same day to make payments and the check was put on hold on XXXX XXXX and XXXX XXXX they put another 30 day late payment on my credit report on account ending XXXX. 
They will not answer phone, put on hold for long durations and disconnect once they pick up the phone.This is how the way things have been for several months with XXXX XXXX XXXX.
Consumer complaint received 2023-03-09
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. (CT)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: California Business Bureau, Inc. (CA)

Back in XXXX my Information was stolen when I was hit off my motorcycle, im sure this has something to do with it again im not sure. I went to the police I filed every document I can regarding this. due to I can't get housing nor a car loan due to whomever did this and open these Fraudulent accounts in my name. I have no connections or knowledge about any account listed. please help me on correcting this. 

This account was open in XXXX I have no connections with this account! I asked you guys and the medical center to provide proof and you guys provide nothing at all. 

Next step im going to hire an attorney and sue to damages. 


You guys keep saying alleged you see the ftc you see the police report!
Consumer complaint received 2023-03-09
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. (SC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$290.00} ; CXXXX XXXX XXXXXXXX Balance : {$4700.00} ; XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$7400.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  ( XXXX : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} ; XXXX & XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX & XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX & XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; 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
Consumer complaint received 2024-04-11
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Navient Solutions, LLC. (NC)

I attended a for XXXX XXXX that is now being considered a XXXX XXXX and loans are being dismissed under the XXXX XXXX XXXXXXXX class action lawsuit. Do to most of my loans being held by Navient these loans do not qualify to be dismissed because they are private loans. I graduated 15 years ago and I am still paying on my private loans with no end it site due to the outrages interest rates. My interest on my private loans are now higher then the original loan balance. I am also aware that Navient has contacted people with Navient serviced XXXXXXXX XXXX from these XXXX XXXX with an application to discharge their private loans. I have requested that I also be sent an application as my school is part of this list, however I have not received any communication regarding my request.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2023 I, XXXX XXXX, mailed XXXX XXXX XXXX a notice informing them that pursuant to the Gramm Leach Bliley Act I am exercising my right to opt out of my information being shared and I no longer wish for my nonpublic information to be shared with TransUnion. On XX/XX/2023, I mailed TransUnion a copy of notice that was mailed to XXXX XXXX XXXX along with a notice specifically for TransUnion informing them that pursuant to the Gramm Leach Bliley Act I no longer wished for my nonpublic information to be shared. XXXX XXXX XXXX blatantly disregarded my request and did not respond to my notice. However TransUnion did an alleged investigation and responded stating that the information on my consumer report was verified as accurate. A financial institution such as XXXX XXXX XXXX must respect a consumer right to privacy and cease disclosing personal nonpublic information when they receive a notice from a consumer choosing to no longer share private information. TransUnion has a duty to also respect a consumer 's right to privacy. I did not send XXXX XXXX XXXX or TransUnion a notice disputing an inaccuracy, however I did notify both companies that I am opting out of my NPI being shared and both companies disregarded my request by responding stating that my information was verified.