davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to inform you of fraudulent activity on my credit report. I have recently discovered unauthorized inquiries on my credit report, which have been listed without an active account associated with them. These inquiries have negatively impacted my credit score and financial reputation. 

Upon reviewing my credit report, I have identified several unauthorized inquiries : XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXXXXXX - XX/XX/XXXX XXXX. XXXX  XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX I demand that all unauthorized inquiries be immediately removed from my credit reports. These inquiries were not initiated or authorized by me, and they are negatively affecting my creditworthiness. 

Please investigate this matter promptly and provide me with written confirmation once the unauthorized inquiries have been removed from my credit reports. Additionally, I request that you take necessary measures to prevent any further unauthorized inquiries on my credit report in the future. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-12-22
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. (CA)

On XXXX I've sent disputes regarding for those inaccurate and unknown accounts on my credit report. It's over 30 Days today but I didn't received any response. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person. I demand these accounts be deleted immediately or I will file for litigation.
Consumer complaint received 2020-12-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NJ)

I received an email telling me that my accounts with chime bank were blocked and I need to verify my funds. I tried to send them all the documents that they asked for. They asked for a w2 from my last job. I am an XXXX XXXX I am a XXXX XXXX I also do XXXX XXXX XXXX. While I do okay for myself I dont have a w2 or anything to prove how was I making money it was all cash and I was depositing it to my bank account. I only opened chime bank account because they have a higher interest rate. Now they XXXX me over because they close my bank account and sent me an email that my funds arent eligible for refund. That money is all I have I am late on my rent and cant even go buy food and all this happened a week before XXXX
Consumer complaint received 2015-12-28
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AMERICAN EXPRESS COMPANY (NE)

American Express sent my billings to the wrong address for months after they were advised that I had moved. Bills were not delivered to me until months later. When they turned bill over to XXXX who immediately contacted my ex wife, even though she was not a cardmember. They contacted her before I even received notice that they were involved. They advised her who they were, what was owed, etc. This is not the first time this has happened. This happened several years ago on AE account XXXX. They went so far as to call my children to attempt to collect the debt, threatened me with court and called continuously, even though they were advised not to. American Express was made aware of their actions at that time but still uses them. It would appear to me that AE is aware of the problem and approves of their tactics.
Consumer complaint received 2022-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

With the PSLF special waiver I reached the XXXX qualifying payments required for loan forgiveness in XXXX. I consolidated my loans under the special waiver in XX/XX/XXXX. After the consolidation was complete, my payment history from XXXX XXXX XXXX disappeared. I have a detailed payment tracker from XXXX from XXXX stating I was in forbearance during that time. My loans transferred from XXXX to Mohela XX/XX/XXXX. I called Studentaid.gov ombudsman to discuss the missing history and I was told that my loan servicer has to request my loan history from the department of education. Mohela is not taking any customer service calls. I am unable to email or message them electronically either. The complete lack of information and ability to reach customer service is unacceptable. With the waiver expiring XX/XX/XXXX many are in the dark regarding their loan status, eligible payments etc.
Consumer complaint received 2022-05-13
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. (CA)

I repaid delinquent accounts with an agreement to have the accounts removed from my credit report. None of the accounts have been removed and it has been over 120 days, or a reasonable amount of time. Please help to get the accounts removed.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2017, in XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX XXXX case # XXXX was dismissed voluntary without prejudice ; yet, they took the initiative to use my identity and fraudulent sell this debt to XXXX ( XXXX XXXX XXXX ) whom on XXXX XXXX opened this account up and reported this derogatory account to all credit report agencies. They have violated my rights numbers of times ; under 15 USC 1681 by misleading false reporting and using my identity ; 15 USC 1681 ( b ) which I never gave them written consent ; this is harassment and abuse under 15 USC 1692d ; and according to FDCPA Section 807 this violation is misleading and false reporting inaccurate reporting.
Consumer complaint received 2015-11-12
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I have a Judgment that shows as " Satisfied '' on my Credit Report, indicating Asset Acceptance as the Plaintiff. When I contacted the Courthouse ( XXXX County Minnesota ) they reported the judgment was " not satisfied '' or had " not received a " satisfied '' letter ; ultimately providing information to contact a local attorney who was listed on their end as XXXX XXXX ( XXXX ) who has yet to return my call. I later had to contact Asset Acceptance, whom when asked provided the original credit agency as XXXX XXXX and stated it was transferred to a " Law Firm ''. I was then informed that the judgement was not satisfied. Asset Acceptance reported that the information would be with the county courthouse. They could not verify the debt or reported " Judgment '' as they do not sue. Judgment was filed by Asset Acceptance and later in turn released to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX were unable to verify that I was served with judgment papers and could not tell me when I was allegedly served by XXXX County ( Minnesota ). No information identifying me being served or the nature as to any court documents have since been sent or presented to me.
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MD)

Took out a loan to move for employment for my son and I, the loan was deposited on XX/XX/2021, and it was stolen out of my account on XX/XX/2021, how convenient, this is not a consequence, my check was stolen from the Postal Service middle of XXXX for my son 's credit card bill, mailed it from work, have witnesses, and have a witness who watched me write the check. It was first deposited supposedly, which it says on the back, mobile deposit to XXXX, well they have competent people apparently, XXXX and Chase Bank do not have competent people. I will be made Whole again, I am a victim and I am not going to eat this, XXXX and Chase Bank will pay.
Consumer complaint received 2021-11-09
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. (FL)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2019-04-26
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. ()

My student loans have been in deferment due to an Income-Driven Repayment plan I am enrolled in. A new application has to be submitted annually in order to have your circumstances reviewed for any changes, and then a decision is made as to whether a person can continue in the plan. I originally submitted my re-certification for Income-Driven Repayment ( IDR ) play on XX/XX/2019 at which time I was unable to upload my filed tax documents via the IRS website ( when filling out the application you are routed to the IRS website in order to retrieve your filed income tax documents to prove your income for the previous year ). I tried several times but continued to have no success ; therefore, I opted to submit my application and tax documents via U.S. mail. I did so the following day, and assumed all was well. Fast-forward to XX/XX/2019 and I received a notification regarding my credit report. At that time I realized my credit score had dropped well over 100 points due to my federal loans being reported as delinquent. My report shows I missed 2 payments, XX/XX/XXXX and XX/XX/XXXX, but that is not accurate as I was supposed to be enrolled in the IDR plan. Additionally, it says I am 120-149 days past due, which is again wrong because 1. I am enrolled in the IDR plan and 2. They are only reporting 2 missed payments, which is 60 days not 120-149. I resubmitted my IDR application on XX/XX/2019, and this time I was able to transfer my tax documents directly from the IRS. I received the approval for my application on XX/XX/2019, and was advised my monthly payments would be {$0.00}. I have submitted a letter to the XXXX XXXX XXXX to ask for the delinquent items to be removed from my credit report as I should have been enrolled in the IDR plan all along. I have not received anything back to date. I am now receiving letters from credit card companies saying my available credit limits are being decreased as a result of these delinquent items. I desperately need these items removed. I have recently updated my contact information with the XXXX XXXX XXXX because I realized they had outdated information. Per my specific IDR plan I do not have a monthly payment as my income is not enough to permit a payment ; therefore, my credit report should not reflect late payments as I do not have monthly payments to even be late on. I would greatly appreciate any assistance in regards to this matter, and hopefully can get the situation resolved before any further irreversible damage is done to my credit. Thank you for your time and consideration.
Consumer complaint received 2022-10-19
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. (NY)

I have been disputing this account for months, late payments are illegal, I have been stressing this factual law with XXXX. They have been in violation. In exhibit " A '' XXXX have been sending this response to me when I am the natural person. I was clear with what I wanted. In exhibit " B '', I disputed this account and XXXX keep responding with Exhibit " A. I am tired of the run around and the back and forth and the violation of my federal rights. I filed a case with the Attorney General of New York State. XXXX  also violated my right to privacy as pursuant to 15 USC 6802.
Consumer complaint received 2020-12-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Google Compare Credit Cards Inc. (FL)

I'm very angry with Google llc as a whole on XX/XX/XXXX I was forced to make a switch to the new Google pay app for some odd reason.I made a new account and it wasn't even open for 30 minutes my account is already suspended as a receiving is for transaction which is bigger than the last three I'm trying to get to the bottom of the matter I'm dealing with rude prejudice Representatives that sound like they're from India.IM VERY SICK AND TIRED With prejudice behavior FROM Google : XXXX while trying TO SEE WHAT'S going on with MY Google I WAITED 6 DAYS already WHICH AT THE TIME I DIDN'T EVEN KNOW I WAS CONVERSING WITH GOOGLE XXXX AND NOT WITH THE REPRESENTATIVES IN AMERICA I FEEL LIKE MY PERSONAL INFORMATION IS BEING USED OVER THERE WITHOUT MY CONSENT OF ACKNOWLEDGMENT!!!! EVEN after submitting my documentations social security card ... id card and mail!!. I TOOK COUNTLESS SCREENSHOTS FROM MY G PAY ON WHAT I SEE I EVEN SENT A VIDEO TO Representatives & been getting NO WHERE BUT attitudes WHILE DEALING WITH REPRESENTATIVES WHO prolonging my time over the phone why they put me on hold FOR MORE THAN 65 MINS I come back to the phone like I wasn't waiting that long talking about he was speaking to a specialist when they never spoke to a specialist because why would specialistespecially tell you to tell me to cash out with the card that I have on file if my account is still suspended they wouldn't tell you that and leave my account suspended knowing that wouldn't work I'm tired of being told one thing and the other I'm tired going in circles .I 'm hungry I want my money so I can go to the grocery store and find something to eat. GOOGLE BEEN XXXX ME FOR A LONG 6 days now.. remember guys when I was telling you that this app is really from XXXX  and not America Don't believe me look at the screenshot where it sayS XXXX XXXX 50 % off I don't stay in XXXX. why is this app is in our store in America? if we don't have American things if we have a Google here why is Google XXXX app is over here in America in our USA XXXX I'VE NONE OF THOSE STORES OVER HERE IN AMERICA!!!!!!! hey trying to prolong me not getting this issue fixed so they can have my money that's in my account this seems very fishy to me it doesn't take long to verify my age and they starving me behind my age verification
Consumer complaint received 2020-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (IN)

Airline tickets were purchased using Citi travel rewards points onXX/XX/2020. These tickets were cancelled by Citi on XX/XX/20. We contacted Customer Service on XXXX to inquire where our refund check was. We spoke to XXXX and then to XXXX who said an escalation ticket would be sent through so that a refund check would be sent to our home address. 
On XX/XX/XXXX we spoke to XXXX who claimed to be a supervisor. He stated he could see in the system that a refund check was requested onXX/XX/XXXX.He could see that the refund from the airlines was received at Citi in XXXX. He said the refund check was in-queue to be sent XX/XX/XXXX and that it would be 4 to 6 weeks before we receive check. We confirmed our address. On XX/XX/XXXX we spoke to XXXX who could see all previous notes. He stated he would put through a second escalation ticket. He said he would contact his personal supervisor XXXX and call back on XX/XX/XXXX. We confirmed phone number. We have yet to hear from XXXX or XXXX. On 1XX/XX/XXXX we spoke to XXXX also an alleged supervisor. She allegedly contacted the Accounting department to request a check. She stated she would contact us in 24 to 48 hours. We have yet to hear from XXXX and we have no refund.
Consumer complaint received 2022-05-13
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (MD)

I have a Truist Bank money market acct. with over {$24000.00} balance. I authorized my XXXX bill of {$11000.00} to be paid in full from that account. My XXXX  acct. balance showed the payment ; on the next line up was an item I did not recognize. It was {$5700.00} " pending '' for an entity called " XXXX XXXX '' ( " XXXX '' ). The " pending '' amount is exactly XXXX the amount of my previous PAID balance. 

I XXXX XXXXXXXX XXXX found innumerable complaints about this practice. I saw posters who had issues with Suntrust ( a predecessor bank to Truist ), Truist itself, and XXXX itself. There was talk of a class action to challenge this practice. When I called Truist to inquire as to what they were doing I found out that, because my XXXX  payment was processed on a Sunday, they withheld 1/2 of the amount of the XXXX payment for a few days while it " cleared ''. I had never heard of this practice before ; it may have begun when Truist bank took over. 

I did not understand because : 1 ) the bank had already processed the payment, 2 ) the funds from which the payment was processed are IN that bank, and 3 ) the credit card itself is a BB & T ( another predecessor to Truist ) product. More troubling was the information that, during the so-called " pendency '' of this phantom item, the funds ( in my case nearly {$6000.00} of MY OWN MONEY ) is neither available to me nor earning any interest. 

Is it legally allowable and acceptable for the bank to put a mysterious hold on its customers ' funds, to prevent the customers from accessing those funds, and to fail to pay the interest it is obliged to pay on a money market fund?
Consumer complaint received 2021-05-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

Coinbase promises {$5.00} in XXXX for verifying your identity on its application. I have done so and even received an email stating my {$5.00} is on its way. I have never received this {$5.00} in XXXX after 3 complaints to their customer service dept. I have met all the guidelines for this " promotion '', yet they have failed to come through and its been over a month.
Consumer complaint received 2019-04-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accelerated Financial Solutions, LLC (MO)

i wrote ACCELERATED FINANCIAL SO on XX/XX/2019 about this item they say i owe and i never heard from them since.asking them to verify or remove the negative item from my credit report.never gotten the item validated and it clearly has been past the 30 days required by law for them to answer back. certified letter is XXXX .this is damaging my credit
Consumer complaint received 2020-12-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NY)

I currently have 4 student loans with the New Jersey Higher Education Student Assistance Authority. My monthly bill is due on the XXXX of each month. I have made my monthly payment on each loan consistently since I began repayment of this loan in XXXX. I have not missed a payment. Due to a change in expenses, I was able to make an additional payment of {$400.00} on XX/XX/XXXX. I then paid my bill that was due on XX/XX/XXXX on XX/XX/XXXX. I noticed that the interest that accumulated between my XX/XX/XXXX bill and my XX/XX/XXXX bill increased, even though I made two payments within that time period. In fact, the amount of interest that accumulated was even more than when I make 1 single payment between each bill cycle. In general, my interest fluctuates each month, which is strange, because my interest rates are fixed. I called customer service on XX/XX/XXXX to inquire about two items : 1 ) the continuing fluctuation in interest charged per month even though my interest rates are fixed and 2 ) an explanation behind why the interest that accumulated between my XX/XX/XXXX bill cycle and my XX/XX/XXXX bill cycle was higher than any other bill cycle, even though I made an additional payment of {$400.00}. The customer service representative admitted that she did not understand why my loan payments were calculated the way they are and why so much interest had accumulated between the XX/XX/XXXX bill cycle and the XX/XX/XXXX bill cycle. She explained that " no one really understands '' how the bills are calculated in that department and could only offer that I refinance my loans. I explained that I understand I can refinance, but I still would like an explanation on my questions. She continued to urge me to refinance until I asked to speak with a supervisor for further assistance while I explore the refinancing option. She took down my information and said her supervisor will have to call me back since they are mostly remote due to the COVID pandemic. I understood and explained I will be waiting for a call. It is now XX/XX/XXXX and no one from HESAA has contacted me to address my questions. I believe my payments are not being handled properly and the agency has admittedly explained that they are unable to answer my questions about how my payments are being applied. I would like an audit on my account and an explanation on how my payments are being handled.
Consumer complaint received 2020-12-20
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. (PA)

After reviewing my report, I saw that several accounts were opened without my knowledge. This has created great turmoil for myself and my family and I have suffered greatly because of this. I would like to move past this situation.
Consumer complaint received 2020-12-20
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. (PA)

After reviewing my report, I saw that several accounts were opened without my knowledge. This has created great turmoil for myself and my family and I have suffered greatly because of this. I would like to move past this situation.
Consumer complaint received 2020-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (AZ)

I ran my credit report and noticed that there was a company on there named Avante USA with an over XXXX balance that I have no knowledge of. I have tried to dispute it with XXXX  and they are saying that the account is accurate but I have no knowledge of it. When calling the company my name and dob is on the file but not my email or.address or phone number so they won't do anything to help me.