davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MI)

In XXXX of XXXX : I was contacted for the first time regarding this debt. According to PayPal Credit ( Synchrony Bank ), I owe {$610.00} for an account that was opened in XXXX. I informed PayPal Credit that I did not have an opened PayPal account and I never shopped at XXXX nor charged {$390.00} on XX/XX/XXXX, XXXX. I never receive explanation of the other charges. I requested PayPal to run an investigation. 

I requested to be told the contact information for the account, most of the information was not related to me. The representative stated that the contact information needed to be updated so they can run the investigation. 

On XX/XX/XXXX, PayPal Credit sent me a letter stating " Based on our investigation, we have been able to validate your claim of fraud and cofirm that the above account and/or subject transactions fraudulent. As a result of the confirmed fraud, we have removed and/deleted the fraudulent transactions from the account. However, we have also closed this account in order to prevent future fraudulent transactions. 

I waited 90 days, recontacted PayPal Credit to verify the account clearance of debt and closure. The representative advise me the account balance is {$0.00} and the account was closed to fraud. 

On XX/XX/XXXX, ( The first time contacted ) XXXX XXXX XXXX sent a letter stating " We are writing you that we have opened an invesigation regarding your recent dispute ( Never disputed with them ). 

On XX/XX/XXXX, I contacted XXXX XXXX XXXX to inform them that this account was found fraudulent and closed by PayPal Credit. I also read the letter to XXXX. He stated that the account was charged off XX/XX/XXXX. I stated how can a fraudulent closed account be charged off and/or turn over to collection agency. XXXX immediately transfer me to investigation department. 

I requested contact information on the account, most of the information was correct, I informed him that PayPal requested correction to the account information so they could run an accurate investigation. 

XXXX ( investigation dept ) listened to me reading the letter of Paypal investigation stating that the account was fraudulent. I asked the same questions how does a fraudulent closed account get sold and/or turn over to collection. He kept mentioning another Bank that apparently took over Synchrony or Paypal, he was a little confusing to talk to. Once again XXXX stated they need to run investigation. 

At this present time, I am waiting for XXXX investigation findings, I do not know why another investigation needs to be performed when the original creditor ( Synchrony Bank/PayPal ) already found the account to be fraudulent, clear of debt, and closed. 

I am attaching the PayPal fraudulent findings letter and XXXX XXXX XXXX letter. 

Thank you for any assistance you can provided to solve this matter.
Consumer complaint received 2020-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To whom it may concern, This letter shall sever as a formal and last notice of my intention to file suit against Transunion in small claims court due to your blatant disregard of the law, by reporting false information to my credit file. I am disputing the account listed below, I previously disputed the account information as being inaccurate. I asked you to provide me with a full debt validation, which I should have received in 30 days. It has been well over 90 days, and I understand that you are unable to verify this debt because it does not belong to me. XXXX  suffered a major security breach ; this breach leaked the personal data of over 143 million Americans. Due to this breach, my information was affected, my name, birth date, address, phone number, social and driver 's license number was compromised and used to open several accounts without my permission. 

Due to your company not responding to me with in the legal timeframe, for my safety I have moved forward with filing a report with the FTC and the CFPB. I have also filed a civil suit against your company, my lawyer has advised, if this information is not removed from my credit file within 8 business days I will move forward with the last step to secure documentation and complete legal filing against your company for directly violating the Fair Credit Reporting Act by continuing to report this false and inaccurate information to my credit file. At that time, I will seek for punitive damages, cost for attorneys fees, court cost, as well as compensation for ongoing emotional distress, anxiety, and harassment due to this security breach. XXXX  was negligent in allowing my personal information to be compromised, however your company will be held just as responsible for continuing to report this false information to my credit file. I have filed a claim against XXXX, I am waiting on the results of this claim. You may search the following in a browser. XXXX XXXX XXXX
Consumer complaint received 2020-02-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (OH)

I am getting repeated phone calls from CBE Group which I discovered is a collection agency with many complaints against them for harassing people and trying to collect fake debts. 

The latest phone call just happened on XX/XX/2020 at XXXX XXXX  from XXXX which is obviously a " spoofed '' number, they are not located in XXXX Ohio. 

They won't leave a message, or a phone number, or a contact person. Sometimes it's just heavy breathing on the message. 

There haven't been any communications in writing so that I would know why they are calling me. 

I don't owe any bad debts and there are no collection accounts. I checked the three credit bureaus and there aren't any collections. 

I want these people to stop harassing me. If they had a valid reason to contact me they would have put it in writing instead of scaring me with heavy breathing calls.
Consumer complaint received 2019-07-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I recently files Bankruptcy, and the first month I tried calling to make a payments and has been impossible. The wait time is over an hour. 
They removed access to pay the loan online, and i guess that's normal but for the last week I have been traying to call and due to my schedule at work, I cant stay on the phone for over an hour waiting to pay. On XX/XX/19 I have spent 2 ; 25 minutes on HOLD and transfer back and forth and still not able to make the payment. This is frustrating. They aren't helpful and still today I have been unable to make the payment.
Consumer complaint received 2020-02-06
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: GOLDMAN SACHS BANK USA (OH)

I had my cell phone and wallet stolen while attending a medical conference in XXXX XXXX, LA XX/XX/XXXX. When I arrived home on XX/XX/XXXX and ultimately had access to the internet, XXXX XXXX informed me via email that a new hard inquiry appeared on my credit report. I discovered that a Goldman Sachs Apple Card had been opened in my name and that {$4700.00} had been charged. I immediately contacted Goldman Sachs and Apple to inform them of this fraudulent activity. I was advised to change my log-in information and informed that I would not be responsible for fraudulent charges and that the account would be closed. They requested that I document this information on IdentityTheft.gov and submit this information to XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX. I completed this information and submitted it to them the subsequent day. I filed a police report with XXXX XXXX Item : XXXX. I froze my credit and created fraud alerts with all three credit bureaus. Over the last several months, I have contacted Goldman Sachs countless times without any hint of a resolution. I filed a dispute with XXXX  on XX/XX/2020.  Unfortunately, the result was that the disputed information was somehow verified as accurate. I then received an email from Apple Card on XX/XX/2020 that said my Apple Card account was 48 days past due and that my past due balance was XXXX. This was the first time I had received anything in writing from Apple or Goldman Sachs. I spoke to Goldman Sachs at least five additional times including supervisors all of whom say they have 'escalated the situation ', that I should not be receiving these bills but that I should just continue to call back in a few days. I again filed a dispute with XXXX  XX/XX/2020. I reviewed my credit report today after I was notified of a drop in my score to find that my payment history now includes my first ever missed payment.
Consumer complaint received 2022-08-18
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I reviewed my consumer credit report and I noticed an unauthorized inquiries. I reached out to XXXX via phone to get these fraudulent inquires removed and they were no help advised me that I needed to get a letter and basically permission from the " data furnisher '' before they would remove any inquiry, but they are being reported without my permission or consent. The following are inquires that are reporting fraudulently to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAP ONE NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give my consent for these inquires to be done and demand they be deleted as soon as possible since I have no been able to receive any help directly from the credit reporting agency.
Consumer complaint received 2022-04-09
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. (MD)

Hi I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the creditors and they have NO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose. I filed a dispute with Equifax a couple of times and I had no success in getting these items removed from my report. 

my last dispute date is XX/XX/2022
Consumer complaint received 2020-12-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (NV)

I received a Netspend prepaid debit card as a gift in approximately XX/XX/XXXX. The card was not activated or used by me until XX/XX/XXXX. When I tried to activate it online, it told me to call Netspend because the card was expired. I called Netspend on XX/XX/XXXX and was told that the card balance, which was originally {$50.00}, had been reduced to {$8.00} due to a $ XXXX/month " inactivity fee '' which was charged for the last 7 months. 

This fee strikes me as an unfair/deceptive/abusive act or practice because it was not clear that the inactivity fee would start being charged from the time the card was purchased and given to me. Instead, any sort of inactivity fee should only apply after the end user ( myself ) has received and activated the card, at which time I would have been fully informed of the applicable fees. 

I am seeking a full refund of the {$41.00} as well as asking that the appropriate regulatory body investigate these deceptive acts and practices that Netspend is engaged in.
Consumer complaint received 2022-09-04
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: ALLY FINANCIAL INC. (FL)

In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681. XXXX XXXX XXXX IN, has violated my rights and ALLY FINANCIAL has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. Section 604 A section 2 : It also states a consumer report agency cannont furnish a account without my written instructions.
Consumer complaint received 2022-08-18
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: DISCOVER BANK (TX)

I reviewed my consumer credit report and I noticed an unauthorized inquiries. I reached out to XXXX via phone to get these fraudulent inquires removed and they were no help advised me that I needed to get a letter and basically permission from the " data furnisher '' before they would remove any inquiry, but they are being reported without my permission or consent. The following are inquires that are reporting fraudulently to my XXXX credit report DISCOVER FINANCIAL SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not give my consent for these inquires to be done and demand they be deleted as soon as possible since I have no been able to receive any help directly from the credit reporting agency.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I reviewed my consumer credit report and I noticed an unauthorized inquiries. I reached out to Experian via phone to get these fraudulent inquires removed and they were no help advised me that I needed to get a letter and basically permission from the " data furnisher '' before they would remove any inquiry, but they are being reported without my permission or consent. The following are inquires that are reporting fraudulently to my Experian credit report 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  I did not give my consent for these inquires to be done and demand they be deleted as soon as possible since I have no been able to receive any help directly from the credit reporting agency.
Consumer complaint received 2022-08-18
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. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2023-07-27
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (RI)

On XX/XX/2023 I opened an accelerate savings account with Citibank with the following promotion Thank you for choosing Citi for your banking needs, and congratulations on your enrollment in the Citi Accelerate Savings Leveled Bonus Offer. 
As a reminder, to receive a Cash Bonus : Deposit New-to-Citibank Funds into your new Citi Accelerate Savings Account within 20 days XXXX account opening. The balance on the XXXX calendar day after you open your account will determine your maximum Cash Bonus. * Maintain the required Minimum Balance in your eligible account ( XXXX ) every day for 60 days from the XXXX day after account opening. * Balance Levels* Maximum Bonus* {$20000.00} {$49000.00} {$150.00} {$50000.00} or more {$450.00} XXXX full details, including how to remain eligible for the offer, please see the offer Terms and Conditions. 
If you are eligible and fulfill the required activities, your Cash Bonus will be paid to your Savings Account within 30 days after you successfully complete all required activities. Your Savings Account and your Citi credit card account must remain open and in good standing from the time the Savings Account is opened until you receive your Cash Bonus. 



My account had {$30000.00} in the account by the end of the 21 days so I should I have received {$150.00} after 60 days. Citibank is saying that no promotion was attached to my account.
Consumer complaint received 2022-08-18
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. (PA)

Equifax responded to me on the cfpb website and said that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not on my credit report. I looked at my report on the XXXX. They readded the account back to my report illegally. This is aggravated identity theft equifax us commit oh Not only did I not authorize them to do so neither did give them written instructions. This a violation of rights and causing harm to my reputation. My score dropped XXXX XXXX
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Have history of loans from financial institutes that show all are in good standing ( paid off with no issues ) but will not show or release credit score. I have contacted trans-union regarding this issue. They say they do have a credit score on my credit report, Won't tell me what it is, unless i pay for it and won't send me a credit report unless I pay for it. Even though I have been denied credit as a result of there report. When I asked why it shows a credit score on there end but not at the bank, which has turned me down for a loan as a result of that error, she said the bank was doing it wrong. I asked? so you are telling me three different loan officers at 2 different financial institutions are doing it wrong. She again went back to me paying for this information. Then told me credit report sent to me does not and will not include credit score. She then told me to go online and I could see credit report for myself. I responded I just saw my credit report at the last financial Institution and it does not have a credit score on it, but does list at least 4 loans that have been paid off in good standing. There IS NO DEROGATORY info on credit report. 
TRANS UNION REFUSES TO CORRECT THERE ERROR
Consumer complaint received 2023-03-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION (OH)

I live in Ohio. I have a credit score between XXXX and XXXX. The usury law in Ohio, states that an interest rate should not exceed 8 %, understanding that this should fluctuate based on credit history. In XXXX of XXXX, I accepted an auto loan from Regional Acceptance Corporation. The vehicle is a XXXX XXXX XXXX XXXX XXXXXXXX. It is used and there are XXXX miles on the vehicle. The resale value for this vehicle, according to XXXX XXXX XXXX is XXXX. I was unaware of this when I accepted the auto loan. Now, I have a " negative equity '' because Regional Acceptance has my payoff amount at nearly XXXX dollars. Also, I was unaware of usury laws that prohibit lenders from imposing unreasonable and or predatory interest rates. My current interest rate is a ridiculous 15.4 %. Now, I am not able to find another company to help me refinance the vehicle because the value of the loan exceeds the value of the vehicle. I pay XXXX a month and XXXX is applied to the interest and XXXX is applied to the principal. I feel that I have been baited and completely taken advantage of. I feel that I was locked into a compromising contract and I have no options to better my situation. I also feel that I do have more than enough entitlement to move forward with a lawsuit as this does seem to be predatory lending. I would appreciate any advice on the matter at hand.
Consumer complaint received 2022-08-18
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Regardless of the multiple written requests, the unverified accounts listed below is still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the accounts in my Credit Report : XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Late/Closed Late Date XX/XX/XXXX, XXXXXXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {>= $1,000,000} Late/Open Late Date XXXX, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Late/Closed Late Date XX/XX/XXXX, XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXXLate/Closed Late Date XX/XX/XXXX
Consumer complaint received 2022-08-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report under 15 USC 1681 number 3. The company assumed this role without permission not only that you did not have my consent. The company did not respect my privacy pursuant to 15 USC 1681 a number 4. The company did not exercise its grave responsibility, the company was unfair, and partial. The company never had a permissible purpose pursuant to 15 USC 1681 b number 2. I never instructed or gave any consent for the to be reporting in the first place. What I am demanding now is that you all delete the accounts off of my report.