davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA ()

The matter is twofold. Goldman Sachs has 1 ) been sending me unwanted and unnecessary emails for six months. They have done this even after having 2 ) cancelled my credit-card ( Apple Card ) account, which cancellation was unwanted by me.

These emails are now tantamount to spam ( https : //www.ftc.gov/tips-advice/business-center/guidance/can-spam-act-compliance-guide-business ) : Goldman has no legitimate business purpose in sending them, as they are statement notices for an account that has been closed for over a year and has had a XXXX  balance since XX/XX/XXXX. The most recent of these emails arrived on XXXX XX/XX/XXXX. How does this qualify as transactional or relationship content? 

I have contacted Goldman many times to request that this stop. I have made these requests in conversation with Goldman service agents and via postal letter. Service agents have assured me that the matter will be dealt with, but it appears that no action has been taken. 

But why did Goldman cancel my account in the first place? The official closure notification stated that it was due to my failure to comply with the terms of the Card Member Agreement or Rewards Agreement. I went over the Card Member Agreement with a fine-toothed comb and could not spot my infraction. 

Enquiring further, I discovered that Goldman apparently believed that I represented potential first-party fraud ( a Goldman service agent revealed this to me during a phone conversation, by incautiously reading aloud the notes on my account ). This is obviously inaccurate. And let the following be noted : I missed no payments ; the balance on my account never went above 30 per cent of the credit line ; the balance was fully paid within months of the account closure and amidst a global pandemic. 

I believe that Goldman committed an error in closing my account. I must have been among the first users of Goldmans credit-card service, as my account was opened shortly after they first launched Apple Card in XX/XX/XXXX. Therefore I believe that this situation has arisen due to Goldmans relative inexperience in the consumer credit market. They are compounding their initial error by continuing to send me spam-like messages and ignoring my requests that these cease.
Consumer complaint received 2022-06-20
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. (GA)

In accordance with the Fair Credit Reporting Act XX/XX/XXXX Account name : XX/XX/XXXX XX/XX/XXXX 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 a account without my written instructions
Consumer complaint received 2022-03-07
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. (NC)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2022-03-07
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-07
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. (NC)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2022-06-20
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

NEGATIVE ACCOUNTS : - XXXX Account # XXXX - XXXX Account # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fig Tech Inc. (TX)

I was contacted via text on XX/XX/22 about making payments for a debt that I am unaware of. I texted stop. On XX/XX/22 I was contacted again via text from another number with the exact same message. Again, I texted stop. Upon checking my credit report, I see an account for Fig, but I do not recognize this account. I would like this account deleted immediately, and all contact via phone and text to cease.
Consumer complaint received 2022-06-20
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. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

NEGATIVE ACCOUNTS : - XXXX Account # XXXX - XXXX Account # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-20
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX has violated my rights. 

15 U.S.C 1681 Sec 602 A States I have the right to privacy. ( This has been violated by the original creditor selling my personal information to a third party agency ) 15 U.S.C 1681 Sec 604 A Sec 2 also states a consumer reporting agency can not furnish an account without my written instructions to do so. 

The snapshot attached shows the inaccuracy on my report. Therefore I would like this account to be removed.
Consumer complaint received 2021-06-08
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: KLS Financial Services, Inc (NC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2019-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (GA)

I have been in PSLF-eligible payments since XXXX of XXXX. FEDloan is documenting only 48 qualified payments out of 82 ( 12 payments in each of XXXX plus 10 payments in XXXX so far ). I have always had PSLF-qualified loans AND payment plans. I have submitted employment eligibility  regularly over the years, and that is documented in my accounts.
Consumer complaint received 2018-10-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (VA)

I graduated during the financial crisis in XX/XX/XXXX. Couldn't find a full time job until XX/XX/XXXX when my monthly salary was less than $ 30k and Sallie Mae asked me to make my first payment of {$1600.00} towards my student loan which at the time was impossible, it still is even though I make a decent salary. Over the years I have worked with the lender to help lower my payments by extending the life of the loan, sometimes having to forebear, etc. I've worked with them as much as I could and currently making monthly payments at around {$1300.00}. No matter how hard I tried to keep up I couldn't. WIth the majority of my income going towards my student loans I fell into credit card debt to survive. I just did an analysis of my Navient Student loan payments and discovered that. 
1. I made $ XXXX in payments since XX/XX/XXXX 2. Only 10 % or $ XXXX of that went towards my principal balance 3. I still have $ XXXX in student loan debt. This means if it takes $ XXXX out of my pocket to pay off $ XXXX in principal balance, then I'll be paying XXXX  XXXX overtime to pay off my loans ... SEND HELP. 

I've attached all my payment history for reference.
Consumer complaint received 2020-07-11
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. (CA)

I did not authorize XXXX  XXXX XXXX Auto Financing Companies to run a hard inquire credit check. I was not even in the country - for the dates the inquire was made ( Please see the attached docs ). Please have XXXX XXXX remove all inquiries appearing on my credit history.
Consumer complaint received 2018-08-08
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc. (TX)

At present I have 16 student loan accounts reporting on my credit report. All 16 accounts are reporting late for months XXXX through XX/XX/2017 however this information is inaccurate. I graduated my XXXX program in XX/XX/2017 and my loans should have remained in deferment for 6 months following my graduation and then enter into repayment status. Instead, it appears my graduation date was calculated incorrectly or I did not recieve my 6 month grace period as I should have. 

I have asked several times that the late payment entries on my credit report be verified by the companys credit reporting department and that the late payments be verified and corrected in accordance with 15 U.S. Code 1666 - Correction of billing errors to no avail.
Consumer complaint received 2018-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc. (MD)

XX/XX/18 a complainant was sent to XXXX XXXX XXXX from CFPB on my behave Complainant number XXXX. As previous stated the debt is not owed. The response from collection company was as follows : " We have contacted the creditor and requested they review their file to verify insurance claims filed and payment received. Also request confirmation of the balance due ''. 

It has been 8 months since the company responded to the CFPB about my complainant and I haven't heard anything from them since. It has been more than enough time for the company to verify any and all information. Therefore, I am requesting that all information about XXXX XXXX XXXX  and any debt reported be removed immediately from all credit reporting agencies.
Consumer complaint received 2021-09-02
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. (TX)

XXXX XXXX XXXX has reported my account 30 days past due which is false I send in a payment before XX/XX/XXXX and the company lost it in there system and today on XX/XX/XXXX the company reported my account 30 days past due and this company dont take debit cards and dont have a phone number to call to make a payment and I dont have a linked checking account and I sent them proof of my money order 3 times and I dont get a response back and some would told me they cant do anything to fix my error on my credit report both Experian and XXXX  this is hurting my credit and I dont want do any business with this company and I want them to fix the error and delete my account they give out small loans and they dont have a phone number and unable to accept both of my debit cards ..
Consumer complaint received 2020-07-11
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 did not authorize XXXX  XXXX XXXX Auto Financing Companies to run a hard inquire credit check. I was not even in the country - for the dates the inquire was made ( Please see the attached docs ). Please have XXXX XXXX remove all inquiries appearing on my credit history.
Consumer complaint received 2022-06-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (ME)

I have requested and not received the actual documentation showing my signature on for this loan. I did attend one semester at XXXX but didnt attend a second semester. I am being told this loan is for a second semester which I didnt sign for. XXXX took the money and didnt return it to the government. I am not liable for this money as XXXX basically stole it.
Consumer complaint received 2022-06-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (MA)

I thought I was disputing the fee for the target red card and sent them a letter to provide documentation that is legally required based on the Fair Credit Reporting Act and they still did not nullifying the debt. They kept charging me late fees and reported the amounts to the credit bureaus without a letter of dispute - another violation of Fair Credit Reporting Act.
Consumer complaint received 2018-08-08
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. (TX)

At present I have 16 student loan accounts reporting on my credit report. All 16 accounts are reporting late for months XXXX through XX/XX/2017 however this information is inaccurate. I graduated my XXXX program in XX/XX/2017 and my loans should have remained in deferment for 6 months following my graduation and then enter into repayment status. Instead, it appears my graduation date was calculated incorrectly or I did not recieve my 6 month grace period as I should have.
Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

At present I have 16 student loan accounts reporting on my credit report. All 16 accounts are reporting late for months XXXX through XX/XX/2017 however this information is inaccurate. I graduated my XXXX program in XX/XX/2017 and my loans should have remained in deferment for 6 months following my graduation and then enter into repayment status. Instead, it appears my graduation date was calculated incorrectly or I did not recieve my 6 month grace period as I should have.
Consumer complaint received 2018-08-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (AZ)

I received a call on Friday XX/XX/18, the man calling said I was being sued for a an amount of {$1500.00} dollars, from us bank, and if I didn't pay I would be going to court and I could get my wages garnished in order to repay the debt or I could make monthly installments until debt was paid off. I told him that the last time I had a banking account with US Bank was over 10 years ago and have not banked with them since. he said he would email me a letter and I had to sign it. if he didn't have it within 48hrs they would proceed with the court filings for the debt. I have called US Bank three times and all three persons who I have spoken to say nothing comes up with my social of me being in collections and they advised me not to open the email that they sent me, that it might be a phishing email in order to obtain my personal information. the email address i received it from is - XXXX, the persons named in the email are a XXXX XXXX and a XXXX XXXX . 
phone number they called from is XXXX and the reference number they gave me was XXXX.
Consumer complaint received 2022-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (AL)

XXXX XXXX sent a check for a balance transfer to pay off my Citi Bank credit card. Citibank deposited the check on XX/XX/XXXX. Citibank never credited my credit card for the payment even though I have called them six times giving them information from the cancelled check. I called twice on XX/XX/XXXX and asked to speak to a supervisor. The first person, XXXX, just transferred me back to the original menu. The second man, XXXX, screamed at me and said, " Oh, God! '' and started speaking in a foreign language and then put me on hold and never came back. They all refuse to let me speak to a supervisor. The payment is for {$3300.00}, so I really need help to get the proper credit.
Consumer complaint received 2021-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

HSBC 's promotion is misleading. They offer a {$500.00} bonus if the consumer sets up an account with a direct deposit and deposits " totalling at least {$5000.00} ''. They did not give me the credit and stated that it must be {$5000.00} in each month. However, in the fine print, they do not say " in each month ''. Their wording is below ( I've also attached a photo of the offer ) : " make recurring monthly Qualified Direct Deposits totalling at least {$5000.00} from a third party to your HSBC Premier checking account for 3 consecutive calendar months from the second full calendar month after account opening '' Again, they should have said " in each month ''. Instead, the wording is not clear at all.
Consumer complaint received 2018-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (FL)

On my XXXX credit report there is an account titled XXXX, account number XXXX that was sold to a company titled Debt Recovery Solutions, account number XXXX. This account was paid in full on XX/XX/2016. I attached a recent copy of my credit report that shows this in addition to paid in full letter from Debt Recovery Solutions. I have contacted both companies many times to get this resolved, but have been unsuccessful.
Consumer complaint received 2018-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (OR)

AFNI has reported to XXXX that we owe {$250.00} to XXXX XXXX XXXX but we do not have any past due amount on our XXXX XXXX XXXX bill, our bill is current. I initially noticed that AFNI was reporting this debt to all 3 credit bureaus but I disputed it a few years ago and XXXX   and XXXX both removed it from my credit because it is not a valid debt. I have disputed it with XXXX but AFNI claims that that the debt is mine despite sending them our current XXXX XXXX XXXX bill with my phone number clearly shown. 

AFNI has a terrible reputation for trying to collect on debts that are not valid and I believe they are trying to scam me into paying them {$250.00} for a bill that I do not owe. 

I am happy to submit our current XXXX XXXX XXXX bill to prove that we do not owe them {$250.00}. Not only that, I am quite certain that XXXX XXXX XXXX would have cancelled or suspended our phone service if we truly owed them this money. We have had our phone service with XXXX XXXX XXXX since 2007 with the same phone numbers and XXXX XXXX XXXX can verify this. There is no way we could owe them this money.
Consumer complaint received 2023-06-13
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. (OH)

checked my consumer report and noticed that there are fraudulent accounts on my consumer report. Those accounts are a Credit card with XXXX XXXX that is now closed with a amount of {$2100.00}. A personal loan that is closed and shows a late payment with XXXX XXXX for {$60.00}. There is a charge off collection with XXXX XXXX that was sold to XXXX XXXX on my Experian consumer report. I have never done business with this company. I have never done business with XXXX XXXX. XXXX has a collection on my XXXX consumer report. I have never done business with this company. I have the following fraudulent inquiries on XXXX. XXXX XXXX, XXXX, XXXX, XXXX And XXXX. These fraudulent accounts and inquiries has cause me financial injury. UPDATE, XXXX has places a collection on my consumer report for the company XXXX XXXX. This collection is fraudulent because i have never opened an account with XXXX XXXX XXXX, XXXX XXXX XXXX! This is not good faith Pursuant FCRA
Consumer complaint received 2022-07-24
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)

Inaccuracy not being updated, reporting my full s.s. number and violating my right to privacy. There should be a signed letter by me stated it's ok to share my personal information.
Consumer complaint received 2022-06-20
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 XXXX 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 a account without my written instructions