davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-10
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: GOLDMAN SACHS BANK USA (SC)

On XX/XX/2021, I contacted Goldman Sach Bank via the internet about a debt consolidation loan for {$20000.00}. However, on the loan application step 1 states that this application will not effect your credit report. So I began filling out step 1 and made it to step 2 and gave them my birth date and I believe my last 4 digits of my social security number and then I tapped accept to view the terms of the loan not to actually get the loan. I never finished the loan application process because of the false advertisement on step 1 saying : " This will not effect your credit ''. Then within seconds of me giving Goldman Sach Bank loan application my birth date and the last 4 digits of my social security number, I received a notification from XXXX XXXX that a hard inquiry was on my XXXX  credit report from Goldman Sach Bank. I immediately called Goldman Sach Bank and explained to them what just happened and that it was not right for them to pull my credit report because I never finished the actual loan application process and that step 1 specifically states that this will not affect my credit. Goldman Sach Bank said that it was not anything they could do about it because I accepted the loan. I explained to Goldman Sach Bank what step 1 said and that I never even finished the loan application process steps and that I only tapped accept because I thought it was only to view the terms not to actually accept the loan and the reason I don't want the loan again is because of the false advertisement on step 1 and them pulling my credit report before I even finished all the steps. I called XXXX credit report company and explained to them what took place with Goldman Sach Bank and they told me to call Goldman Sach Bank back and ask them for a letter of deletion so I could get the hard inquiry off of my XXXX credit report ( I have a XXXX  file number for this incident ). However, I did call Goldman Sach Bank back but they refused to provide me with the letter of deletion. So I called XXXX back and explained to them what Goldman Sach Bank said and they told me to contact CFPB about obtaining a FTC report and that the FTC report would be a replacement document since Goldman Sach Bank would not write me a deletion letter document.
Consumer complaint received 2022-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (PA)

AES and XXXX are the same entity. When you go to the XXXX website you learn that it operates part of its national business as AES, meaning that it is in part one legal entity. However XXXX  practice of managing its loan accounts confuses one to believe that another entity is owed the alleged debt. The FCRA and FDCPA protects consumers against these kind of reporting practices. 
AES/XXXX  transferred this alleged debt to XXXX in XX/XX/XXXX. Then on the same date XXXX closed the account and sold the alleged debt to a third party, XXXX XXXX XXXX XXXX did this without attempting to contact the account owner first to notify their acquisition and/collect on the alleged debt. XXXX XXXX XXXX did not report the debt to the credit bureaus, but did send notification of their acquisition and did attempt to collect the debt. From XX/XX/XXXX until XX/XX/XXXX, XXXX XXXX XXXX was the owner of these alleged debts. In XX/XX/XXXX XXXX reacquired the alleged debt from the third party after I disputed XXXX  right to report an alleged debt they did not own, with all credit bureaus. XXXX found validity in my dispute and removed XXXX  listings from my XXXX credit report for FCRA and FDCPA violations. 
XXXX did not reassume responsibly for the alleged debt from XXXX XXXX XXXX until XXXX XXXX ; however, they reported these alleged debts to all credit bureaus as owed to them for XXXX ( XXXX ) months after selling the debt to a third party in XX/XX/XXXX after first acquiring the alleged debt from AESXXXX. XXXX also attempted to collect this alleged debt in direct violation with the U.S. Education Departments COVID-19 Emergency Relief guidelines currently active until the end of XXXX. During the same timeframe XXXX XXXX XXXX was also attempting to collect this same alleged debt which could have resulted in double enrichment for XXXX, which is a violation of FCRA and FDCPA consumer protections. 
The original debt amount listed by XXXX differs from the original debt amount reported by the original creditor AESXXXX. I have attempted to validate the allege debts owed to creditor XXXX and AES to no avail. When I go to the XXXX website to login to this account, I am redirected by XXXX to AES in order to review and manage this allege debt owned by creditor XXXX. Once logged on to this account I see that I have a XXXX ( XXXX ) dollar balance, nothing is owed on this account, and the creditor has deleted all payment & billing statements from their system for the the alleged debt with both creditors XXXX and AES under the account. Both creditors are intentionally preventing me from being able to validate the information they are reporting to the credit bureaus which is a violation of FCRA and FDCPA consumer protections.
Consumer complaint received 2022-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Smith, Cohen & Rosenberg LLC (AZ)

A debt collect from SCRSOLUTIONS has repeatedly emailed me about an alledge debt of {$5200.00} owed from a car being towed and stored in XXXX. I was not the vehicle owner in XXXX. I sold the vehicle in XXXX. 
I've went to XXXX in Arizona several times trying to obtain vehicle history information but they wouldn't share the vehicle history with me. The debt collectot sent me a document that stated that I was the tittle holder from XXXX to XXXX yet they are still stating that I am considered the legal owner in XXXX.
Consumer complaint received 2021-03-10
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Associates, LLC keeps reporting a debt I never had with them and I received a letter stating that the debt is too old to collect on but they keep reporting this debt on my XXXX and XXXX XXXX reports which are giving me a low credit score and I am unable to obtain credit. They are reporting 2 credit card debts that I never had and the debts are old. They keep calling and harassing me.
Consumer complaint received 2019-08-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (AR)

LVNV is garnishing my wages and stated that I had been served on XX/XX/XXXX and that judgement on the account was on XX/XX/XXXX. My complaint ... oh there are many as this is NOT being handled well AT ALL. They are still not reporting payments made but I will not get into that at this time. In my previous complaint I had concern over the huge difference in amount and being charged interest ... their reply stated that the judgment stated they could charge 10 % from the date of judgment until the judgment was paid in full. So this tiny little balance of an alleged debt they can not show proof by contract or signature for has grown to almost {$1200.00} which has been paid via garnishment in XXXX through my pay. Why if judgement was made on XX/XX/XXXX did they wait until XXXX of XXXX to start garnishing my wages if not to just grow this 10 % interest. I checked my credit reports and my employer information has always been reported, there has never been any question as to where I worked. I also know they were aware of my last employer because they kept calling me AT WORK and threatening me with jail time and garnishment if I did not pay them in full right then and there which I did not believe and told them as much because again ... I NEVER GOT SERVED for this alleged debt. Oh I would have shown up and requested exactly what I have been all along ... proof and validation of debt by contract and my signature which they have not been able to provide. Now I have been told that my employer has to call them to get a pay off amount next week. Even they said in their 30 years of all sorts of garnishments coming out of paychecks, they have never had to call to get a pay off ... they have only ever had to pay the amount provided on the writ provided from the court. So again ... why is this different. I also have never been answered why they demanded my employer provide hem with my personal bank account name, routing and account number? This is very personal private information that was provided to someone I did not authorize. As a victim of identity theft already and still fighting my way through t all I am very protective of my personal information so this makes me very uncomfortable and do not understand why they would have the right to require this information or even need it since my employer is the one garnishing my wages and sending the money in check form.
Consumer complaint received 2022-07-06
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX account # XXXX, XXXX XXXX ( original creditor : XXXX XXXX XXXX ) account # XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX ) with account # XXXX, has 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.
Consumer complaint received 2019-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (OR)

I paid my XXXX mortgage payment on XX/XX/2019. According to their statement XXXX XXXX payments will be posted immediately. I went to XXXX which is a XXXX XXXX merchant and paid my XXXX payment knowing that my payment was supposed to be processed immediately and posted to my account to save me from a 30 day late on my credit report, I even confirmed the additional fee and the immediate posting of the payment with the clerk. No where on the statement and in the disclosure does the company state that weekend payments including XXXX XXXX payments will not be posted on the day received, but will post the following business day. I paid extra money for the immediate transaction for the immediate posting of my payment. I called in the next day, XX/XX/XXXX and spoke to XXXX ID # XXXX. XXXX took my transaction tracking number ( # XXXX ) issued by XXXX XXXX and assured that the payment would be posted on the account the day it was made, XX/XX/XXXX. I received notification through XXXX XXXX on XX/XX/XXXX stating that I had a 30 day late with my mortgage. I called the company and they stated that yes my payment wasn't received until XX/XX/XXXX even though their they have notification from the XXXX XXXX transaction of the payment date being XX/XX/XXXX, and that they would not back date the payment as promised. I spoke to XXXX ID # XXXX. I will be disputing the report with the credit agencies for a company who will not uphold to promises or fail to disclose information to their customers, and providing proof of the transaction being made and received on XX/XX/XXXX.
Consumer complaint received 2022-02-16
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. (IL)

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 2022-07-06
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. (PA)

My name is XXXX XXXX and I have recently viewed my EXPERIAN credit report on XXXX to find Inquiries from companies I did not authorize, and are Identity Theft. I contacted EXPERIAN directly and was assured by a customer service rep that the inquiries would be removed. I let the rep know this was of mych importance, as it was stopping me from purchasing a home. This causing me and my children much harm as we can not get a place to live with this matter pending.I contacted the Federal Trade Commission in this regard. They told me I should contact the CFPB with this matter and to get back to them if It can not be resolved. I've called EXPERIAN everyday for past month and nothing has been removed. Please help. My family needs a place to live and this is stopping our process.
Consumer complaint received 2022-07-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days.
Consumer complaint received 2021-06-14
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: WELLS FARGO & COMPANY (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft WF CRD SVC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

5. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/2019 This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine.
Consumer complaint received 2022-10-11
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. (TX)

Account name : XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX section 602 A. States I have the right to privacy. 
XXXX XXXX XXXX Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( 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. 
XXXX XXXX. XXXX ( 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 2022-03-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY ()

XXXX XXXX paid me the sum of {$1700.00} ( being the proceeds of the sale of my website ) on XX/XX/2022. It landed in Wells Fargo on the XXXX of XX/XX/2022. The payment was from the XXXX XXXX XXXX XXXX and Wells Fargo is the intermediate bank since I used XXXX banking details. The XXXX account I used, as I'd later learn, can receive funds from the US only, which means the fund at Wells Fargo will be returned. It was the case on XX/XX/2022, when the sender ( XXXX XXXX ) informed me that Wells Fargo had contacted their bank about fund reversal. Since then, however, the sending bank XXXX XXXX XXXX  XXXX XXXX XXXX has been trying to reach Wells Fargo but they aren't returning communication. I got in touch with their support on XXXX but they won't even listen to me unless I visit one of their branches in the US ( I'm not based in the US ).
Consumer complaint received 2024-03-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc. (MA)

On XX/XX/XXXX, the company called me to resolve a late payment. I was confused with the situation because I had already set up automatic payment from my personal checking account but remembered I updated my checking account since I was a victim of fraud on the checking account they had on file. I explained the situation to the representative on the phone and provided the up-to-date information. The representative said she would take care of the payment and update the account number for future payments. The representative apparently made a payment of XXXX instead of XXXX which was the full amount of the payment. On XX/XX/XXXX, I received another phone call from the company stating that another payment was needed. I again explained the situation to the representative and she apologized and mentioned something about there being a phone issue. Apparently due to the late payment which was an issue created by the representative my XXXX percent promo rate was taken away and the company is trying to get me to pay the deferred interest. I made a full payment to my balance because I was unhappy with the service provided and errors that were made to my account. When the XXXX statement came in the mail it reflected the deferred Interest of XXXX. What the company did was deceptive and unfair to me because I provided the updated checking account and explained the situation of fraud on my checking account. I do not think I should be penalized for the company 's mistake. I emailed the company but have not received a call back or reply email on this situation and that is why I am filing a complaint. I do not want this to affect my credit report.
Consumer complaint received 2018-07-04
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)

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX Dear XXXX, XXXX, Equifax RE : Social Security Number : To Whom It May Concern : I have been informed your company placed negative miscellaneous erroneous information on my credit report. This is the third time I have sent in certified letters and I was told to file an FTC report and contact The CFPB. I am honestly unaware of the items you have placed on my credit. I am filing the accounts as an internal dispute and fraudulent at this time. The following inquiries are reporting incorrectly 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX 7. XXXX  8. XXXX  9. XXXX XXXX XXXX. I said inquiries not accounts please revise and make sure this is read correctly please. In the file you maintain under my Social Security number. Upon reviewing a copy of my credit report. I have been a victim of identity theft in the past. I am disputing the erroneous inquiries as an internal dispute which takes 3-5 business days. I am disputing the inquiries as fraudulent. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate the inquiry information and provide me with original copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I sent a few certified letters 4 months ago and I havent received a response through the mail or email. I mentioned that I am unaware of the inquiries. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$10000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Here is my contact information is as follows : XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Consumer complaint received 2017-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY (NY)

I obtained the credit card  XXXX  through a furniture store and when signing up I was informed that I would be getting no interest charges for the first year, after which interest would start being charged on a monthly basis for the amount that remained. When I received the bill for the  XXXX  month, in  XXXX   2017 , the bill stated that I owed close to {$500.00} in deferred interest charges. I was never informed that I would be held responsible for any interest for the period of time that I had t he one year  promotion.   After speaking to a representative of  XXXX  regarding the interest charges I was informed I would be held responsible. I paid off the remaining balance of {$840.00} in full and asked that my account with  XXXX  be closed. It is now  XXXX  and I have received a bill of {$330.00}, {$11.00} of which is an additional interest charge. I am now being charged interest on top of interest.   After calling  XXXX  once more, I asked why I am being charged interest on full amount of the initial purchase price as opposed to what the new balance was after  2017 . I was only informed that it is their policy and written on the bill. I am unwilling to pay the {$330.00} I am currently being charged due to having been misled and not fully informed about the charges.
Consumer complaint received 2021-04-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CO)

XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, Complained about continuing inability to access my account. The following error message continues to show up and Coinbase support replies do not address the issue and tell me thanks for submitting my request and that they'll be in contact with me. Then they tell me they resolved and closed the case and ask me is the issue was resolved. When I tell them no it wasn't resolved nothing further happens. 

" Account under review Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or two to check your status '' Ongoing problem for 4 months, can't access my account to get my money back.