davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-06
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (AZ)

I am still being charged high late fees and 5 days prior, the website told me I did not have a payment due. I check today, and I am charged a {$29.00} late fee. According to news media, legislation was passed that late fees will be no more than {$8.00} per month. AND the fact that when I checked in late XXXX it told me I did not have a payment due. Very frustrating. I try so hard to keep all my bills current. 

Thank you for your assistance. 
XXXX XXXX
Consumer complaint received 2023-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

As of XX/XX/2022 The Credit bureaus stated Account Name BANK OF AMERICA XXXX Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these agencies written permission to furnish these accounts on my credit report as well
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XXXX AND XX/XX/2019 FOR MY XXXX   ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2020-01-06
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. (FL)

The billing information the company had was incorrect. Theyre falsely reporting late on my credit report. I have tried repeatedly to resolve this with them and they are in non compliance with the federal trade commission. They are brushing me off saying I am sending frivolous letters. Theyve charged me late fees and finance charges and continue to damage my credit.
Consumer complaint received 2023-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The Credit bureaus stated Account Name XXXX XXXX XXXX & Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights un

der 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these agencies written permission to furnish these accounts on my credit report as well
Consumer complaint received 2023-03-05
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. (FL)

In accordance with the fair credit reporting act these convergent accountS have 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 an account without my written instructions. 

Accounts as follows 1XXXX XXXX XXXX XXXX Balance ofXXXX Open date XXXX XXXX XXXX XXXX - Balance of XXXX Open date open XX/XX/XXXX 3. XXXX XXXX XXXX XXXX Balance of XXXX Open date XX/XX/XXXX 4. XXXX XXXX XXXX Balance of XXXX XXXX date XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance of XXXX Open date XX/XX/XXXX XXXXXXXX XXXX XXXX- balance of XXXX Open date XX/XX/XXXX 7. XXXX, XXXX. 
Balance of XXXX. 

Inquiries XXXX. XXXX XXXX XXXXXX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (PA)

On XX/XX/2022 a check in the amount of {$4100.00} was sent to Barclay Bank Delaware in XXXX. At that time, I owed {$4000.00} on the card. The check cleared the bank on XX/XX/2022 and was cashed by Barclay. I placed calls to them on XX/XX/2022, XX/XX/2022 and again on XX/XX/2022. My online credit card account was not showing the amount applied to my account. After multiple departments and wrong information, I was told to send in a copy of the cashed checked with the Barclay endorsement via email. I sent it on XX/XX/2022 attn : XXXX XXXX at XXXX # XXXX to the email XXXX. I have called every Friday since and they keep telling me they have not yet found my cashed payment and continue to charge me late fees and interest charges. They also continue to report me to the credit bureau as a delinquent account. I have called XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 for updates. As of today, XX/XX/2022, the representative said they did not have the email I sent and I should make additional payments. I am begging for help resolving this matter. I have all the correspondence I have sent to them, emails and the cashed check. Please help me.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

All of my educational loans have been forgiven/discharged but the credit bureaus still list one them on my report as unpaid.

I have disputed charges on my credit report with all three credit reporting agencies and when they investigated they said the info was correct and the account stays the same. They claim that they have verified the info through the Dept of Education or XXXX. This is not true because I have a letter of discharge and I have called every department which all have confirmed the same info of my loans discharges having a XXXX balance. This is unfair, unacceptable, frustration and illegal! Please Help!
Consumer complaint received 2021-12-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Ace Cash Express Collection Department went to trying to collect and loan debt that was settle from and signed Settlement Agreement Dated XX/XX/2019 for {$210.00} dollars on the loan amount {$420.00} demanding that i pay the remaining balance of the {$210.00} that was supposed to be written off and cleared of my ace cash express loan account number XXXX inwhich i am summiting copy of the PDF Settlement agreemen
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC. ()

Hi Team, My name is XXXX XXXX, my credit score is showing average, because of XXXX XXXX XXXX and credit card. 

I surprised to see my credit rating report They mentioned like for an year I defaulted in XXXX XXXX XXXX, when XXXX amount deducting from my account on time to time without fail, how come they do like this? 

Coming to my XXXX XXXX credit card, whi ch got closed 4yrs back, no dues but still its down grading my credit score. Which is reduculous Please help to whom I can approach Regards XXXX
Consumer complaint received 2022-12-26
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

Back in fall of XX/XX/2021 my accounts at USAA were compromised by identity theft. USAA was not clear on actions i needed to take. i wasn't understanding that they gave me a loan until it i filled out an incident form, which i did the second time sent, I had requested new accounts but they would not open new ones for me. I thought the incident was clear until i found out USAA transfereed funds to a XXXX XXXX account that was opened in my name - luckily XXXX XXXX put a security hold on the account. My next actions included filing a identity theft report, freezing my credit ect., putting fraud alerts on accounts and multiply calls to USAA to clear up the account. the individuals who stole my identity opened a new account at USAA that i could see online in someones elses name. I requested it to be closed but they denied stating it needs to go thru the fraud department. I kept receiving notifications to send an ID to prove the new person added to the account- i kept calling insisting they remove the person as i did not know them - spend hours on the phone XXXX XXXX i received XXXX letters from USAA - one closing my checking and savings, the second closing my credit card. the letter states it will continue to process deposits but denied withdrawals. It states the closure of the account will be completing in 60 days. they have not return any of the XXXX funds that were in the XXXX accounts and i can not get ahold of a person to speak with on this matter- the answer i get is its with the fraud department. it is past the 60 day time frame and i have not received the funds from my account
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

on XX/XX/2022 the credit bureas the account bank of america account # XXXX was properly investigated but is tht possible if the account 1.date opened 2.last reported date 3.date last active 4.comments from bureas XXXX & XXXX ARE ALL INACCURATE.THIS IS GROUND FOR REMOVAL. 
THEY ALSO VIOLATED MY RIGHTS 15 SU.S.C. 1681 SECTION 604 A section. 2 : the law clearly states a consumer reporting agency cannt furnish a account without my written instructions. 
I have not given these agencies written permission to furnish these accounts on my credit report
Consumer complaint received 2021-12-17
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. (TN)

I am a natural person and federally protected consumer. I am responding to your email contact about a alleged debt you are attempting to collect. You contacted me by email on XX/XX/2021. You identified the alleged debt amount as {$11000.00}. 

In pursuant to 15 U.S.Code 1692a ( 3 ), the term consumer means any natural person obligated or allegedly obligated to pay any debt. The term creditor means any person who offers or extends credit creating a debt or to who debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. I am the natural person that extended the credit meaning I am the original creditor. 

In pursuant to 15 U.S.C 1692b ( 2 ), Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. XXXX XXXX XXXX has violated federal law by stating that I owe an alleged debt. Im pursuant to 15 U.S.Code 1692g, I am demanding validation and documentary evidence of this alleged debt. 

In pursuant to 15 U.S.Code 1692c ( c ), Please stop all communication with me and with this address about this debt. I am demanding that you remove this account from all major credit reporting agencies. 

Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit reporting agency ( or have already done so ), also report that the debt is disputed.
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MiraMed Revenue Group LLC (FL)

I received a notification that Miramed Revenue Group at XXXX XXXX XXXX XXXX XXXX, IL XXXX has reported an unknowledge account against me, I have no knowledge of this account, never received NOT 1 bill. So how they ruin someones credit without providing accurate information.Never recieve ANY DOCUMENT about this bill. Thats a violation of the FDCPA/HIPPA. I want a complete COA, DOS,  Itemized Bill within 30 days. I want this deleted and removed from my all 3 credit reporting agencies.. I will Be reporting this company to BBB also.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC. (CT)

On XX/XX/XXXX I paid the total balance of my ALLY credit card bill online - XXXX The next day, XX/XX/XXXX, I checked on the card and saw that there were no pending payments so I ( mistakenly ) paid XXXX again! 
When I checked later that day, on XX/XX/XXXX, I again saw no pending payments so I immediately tried to cancel my second payment. It would not cancel online, so I called them. It was XXXX on a Friday night. I was on hold for an hour before I spoke to customer service, who informed me that since it was past XXXX they could not cancel or credit my second payment back to me! Now I had to wait for a hard check to arrive in the mail - XXXX business days. 
I resigned myself to waiting for that check. 
XXXX business days later ( XX/XX/XXXX ) I still had not received a check. I called once again - waited another hour (! ) to get another customer care associate, who seemed surprised and said she did not see a refund check request in my file! 
She said she would request it to be expedited. This morning I called to check on the status of my refund and after another 80 minute wait, I was told checks can take 30 days!! So I requested a supervisor and am currently on hold - again - waiting for someone to answer the phone and help me. This feels very unethical and I decided to file a complaint with you so that I will not keep getting the run around from this company. 
I am happy to provide you with my account information and a screenshot of my negative balance. Please advise.
Consumer complaint received 2023-07-03
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: EQUIFAX, INC. (CA)

I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they are affecting my ability to obtain credit. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-26
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

The following have violated my rights : XXXX XXXX XXXX Account XXXX : XXXX The notation of the late payment is inaccurate. 

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 also states consumer reporting agency can not furnish an account with my written concern.

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 2022-12-26
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. (CT)

I have had so much Identity Theft since about the age of XXXX and wasn't given enough information to reach out to get help for what types of fraud against me, PLEASE HELP!
Consumer complaint received 2022-12-27
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-12-27
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-12-27
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. (GA)

This will be my last Complaint to inform the XXXX XXXX XXXX that I was a victim of identity theft. Per Fair Credit Reporting Act Section XXXX ( a ) the XXXX XXXX XXXX are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-03
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: EQUIFAX, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

XX/XX/2022 is reporting 30 days late on my credit report. I have tried to resolve this many of times. I paid this account on time. Your reporting system is reporting inaccurate information. By your system not working properly it has put a burden on my character to the lenders. It shows that I am unable to make payments on time which will make lenders deny me for a loan. Also, this is not the first time this has happened to me. Under federal law this is a violation. I tried numerous of times to fix this situation but, when I do I get treated unfairly and rude. 

I made the payment XX/XX/2022 I have bank statements for accuracy in my dispute. 

This is not 60 days late! 

This is starting to become very stressful when Im trying to apply for loans and I keep getting denied for their negligence!
Consumer complaint received 2023-05-14
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. (OH)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-03-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (OH)

I had an income based repayment and now they are stating that they can no longer to it ... I cant get a job in the field I went to school for because this school wasnt accrediated ... I dont understand why I'm even needing to pay these back when they should be forgiven.