davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am represented by an attorney and do not want to be contacted by capital one directly for any reason. Capital One should contact my attorney Capital One is trying to collect on a debt that is not mine and I would like to have it removed. I am the victim of identity theft. I do not want Capital One to call me, email, me, or even mail me. Please only contact my authorized representative.
Consumer complaint received 2021-05-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Google Compare Credit Cards Inc. (TX)

Google corp business did a transaction of {$32.00} without my permission.Please I want my refund and also take my card out of Google.thamk you have a bless day.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

On XX/XX/XXXX and XX/XX/XXXX I requested XXXX, Experian, XXXX XXXX, and XXXX XXXX to disclose their method of verification on the alleged bankruptcies they were reporting. I supplied each one with a notice from the US Bankruptcy courts stating that they did not verify nor provide such information to the credit reporting bureaus. 

XXXX XXXX then replied to me with the enclosed letter claiming that the bankruptcies were not able to be verified and all three have were removed from my file. The other three credit bureaus have refused to respond to my requests and verify the information.

This would mean this bankruptcy is by law considered UNVERIFIED. I am requesting each credit bureau remove all three bankruptcies listed in my credit reporting file at once.
Consumer complaint received 2018-08-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (AR)

I spoke with someone from you company on XX/XX/XXXX. That advised me to submit a formal complaint with my documentation. In XXXX I faxed my IBR loan papers to Navient. I kept the copy of the fax and the transmittal receipt. Well I knew I wasn't barely working and wouldn't have payments for the year. So in XXXX I mailed by new paperwork in. Well I called Navient bc I had been locked out of my online account for a long time. The girl I spoke with help me reset my account. Well when I got into my account it said I had like 8 missed payments. So I called back and the girl I spoke with tried to tell me the fax number I had used to fax my documents in XXXX wasn't even a fax number for Navient. I told her to XXXX the number and of course it showed up on the Navient page. I had faxed the papers to the private loan department by mistake. I let the girl know I had the documentation and she said it was my mistake and my credit would be ruined. She told me that forbearance was my only option. I offered to send the paperwork in and everything proving I sent the fax. I spoke with another girl and she basically told me the exact same thing. So then I contacted the Department of Education and started a formal complaint. I sent them the documentation. Well they have to first send this information over to an advocate at Navient. So I was assigned XXXX XXXX. She seemed like she was going to be helpful. The first time we spoke she explained the documents like that get faxed to the wrong department all the time. She just needed to locate the document. So the next time I spoke with her the story completely changed. She said that for security purposes the private loan department of Navient had to shred my document and that they would have no way of knowing I even had a loan with Navient. So then I called the Dept of Edu back and asked if they could request for my calls to be pulled with Navient because everyone had lied and told me conflicting information. I was advised that I was the only person that could request the phone calls. So on XX/XX/XXXX I called and spoke with XXXX from Navient. I have her employee ID but I do not want to share it. I let her know I wanted the recordings because of everything. She put me hold and finally got back on the phone with me and said that I could get the recordings but that only XXXX could release the recordings and she would sent the request to her. Well I waited about a week and then emailed XXXX. She didnt respond the first email. Then about a week later I emailed her again and she was saying they were trying to help me. Finally a few days ago I received an email saying that they have no proof of my IBR application from XXXX and could not release the calls because they are used for quality and training purposes. So now this is being escalated through the Department of Education. I sent these documents, have the proof, and now Navient is trying to ruin my credit and put me forbearance like everyone else.
Consumer complaint received 2021-05-15
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 — Problem with personal statement of dispute
Company: Jon Barry and Associates, Inc. (MO)

I have several medical bills showing on my credit report and I turned in my Medicaid Card number to all companies. It's still showing on my report. Can you help? Thank You XXXX XXXX XXXX.
Consumer complaint received 2018-08-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: State Collection Service, Inc. (GA)

On XX/XX/2018 at XXXX I contacted State Collection Services in regards to a medical bill on my credit that was so to them. I was told in order to settle this debt they would have to get approval from the original debtor and it could only be discounted 30 %. I put in an offer. I then called XXXX XXXX Hospital in XXXX Illinois billing which is the original debtor on XX/XX/18 at XXXX to confirm this was in fact a true practice and I was told they had nothing to do with how the debt is handled. I also proceeded to ask to speak with the manager and was told " she '' was out of the office until next week. So I called State Collections back on XX/XX/2018 XXXX XXXX  to check on the status of the settlement. I was told that it was denied and that a counter offer of a different amount was offered. I questioned when this was approved and they informed me they got an answer back on a Saturday XX/XX/2018. I didn't feel like I was being told the truth. So I attempted to verify this with the manager on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and each time I was told that the manager has not received anything from State Collection Services. So after numerous attempts to actually speak with the manager my last call was placed today XX/XX/2018 at XXXX where I was put on hold for quite a while. The first time the receptionist got back on the phone I was told that they still have not received anything from this company. I then was placed on hold again and at this point I was told well we received an offer and what they said is what we approved. So I believe they lied to me and because they hired this company so to save face they went ahead and confirmed what to me is a lie. On top of that the amount I was told that was offered today was different form the amount offered when I spoke with them on the XXXX of XXXX.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

This is my first endeavors 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX**** Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX** Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$93.00} XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX Balance Owed : {$890.00} {$1700.00} XXXX Balance Owed : {$640.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$740.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXX  XXXX Balance Owed : {$6700.00} XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX  XXXX Balance XXXX : {$1300.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$50.00} XXXX XXXXXXXX Balance Owed : {$3300.00} XXXX XXXX Balance Owed : {$890.00} XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/XXXX and XX/XX/XXXX I requested XXXX, XXXX, Trans Union, and XXXX XXXX to disclose their method of verification on the alleged bankruptcies they were reporting. I supplied each one with a notice from the US Bankruptcy courts stating that they did not verify nor provide such information to the credit reporting bureaus. 

XXXX XXXX then replied to me with the enclosed letter claiming that the bankruptcies were not able to be verified and all three have were removed from my file. The other three credit bureaus have refused to respond to my requests and verify the information.

This would mean this bankruptcy is by law considered UNVERIFIED. I am requesting each credit bureau remove all three bankruptcies listed in my credit reporting file at once.
Consumer complaint received 2021-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

On XX/XX/XXXX, I mailed a check to Select Portfolio Servicing for XXXX. This was for my XX/XX/XXXX 2021 payment. 

On XX/XX/XXXX2021, I made a quick pay for XXXX at the currency exchange for XX/XX/XXXX payment. Instead of recording this for my XXXX payment, they added this as an Additional principal payment. This payment was not for ADDITIONAL principal, it was for XXXX payment. 

I then sent in one check on XX/XX/XXXX2021 for amount of XXXX. This was for XXXX and XXXX payment. They cashed the check on XX/XX/XXXX. Check number XXXX. 
Furthermore, NONE of my payments were applied towards my mortgage. They took my money, did not apply it to my mortgage NEITHER towards payments nor towards principal balance. My principal balance does not go down, and on top of it they are now saying I am 3 payments past due which is not correct because of misapplied funds.
Consumer complaint received 2021-05-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: GOLDMAN SACHS BANK USA (OH)

Apple Card Apple Case ID XXXX I have never been able to add the Apple Card to Apple Pay. I have been working on the issue with both Apple and Goldman Sachs for months. I was issued the card in XXXX, 2020. 

I made over 50 calls to Apple and Goldman Sachs Apple Card. I have multiple chat transcripts showing I have done every single troubleshooting step known. 

The case was escalated to the Senior Advisor level at XXXX over two months ago. First, I was working with Senior Advisor, XXXX. As of today, I am working with Senior Advisor, XXXX. 

After my initial contact with Senior Advisor, XXXX, she escalated the issue to the Engineering Team back in XXXX. After speaking with Senior Advisor, XXXX today, he advised that the issue is not related to just my account. Other XXXX users are experiencing the same issue ; they are unable to add their Apple Card to Apple Pay via the XXXX XXXX app. 

I have also tried order the physical Apple XXXX XXXX twice, at the direction of Apple and Goldman Sachs. When I tried adding the Apple Card to Apple Pay via the physical card process, the same error occurs. 

The error simply states, Unexpected Error. 
I am able to add other credit cards to Apple Pay. 
I upgraded from an XXXX XXXX to an XXXX XXXX recently because I was told it might be a problem with my particular phone. 
I get the same error on the XXXX XXXX XXXX XXXX as I did on the XXXX XXXX XXXX XXXX. 

Because the Apple Card is linked to my Apple ID, I am able to use it to make Apple purchases which I have done, and paid in full, on the Apple Card. However, I am unable to use the Apple Card at any other merchants. 

In order to use the physical Apple Card or the digital Apple Card, the card must be added from the XXXX app to Apply Pay which is where the Unexpected Error occurs. No one at Apple or Goldman Sachs is able to offer a resolution. No one at Apple or Goldman Sachs is able to provide me with my Apple Card number, only visible once the Apple Card is added to Apple Pay. 

I would like to obtain my account information so I can make purchases with my Apple Card at other merchants. I take issue with the fact that I can spend thousands of dollars on the Apple Card as long as I purchase Apple Products online. However, I can not use that same card at any other merchants. 

I have been waiting since XXXX, XXXX for a resolution. I have over 50 calls logged and at least 20 chat sessions with both Apple and Goldman Sachs. I have erased my phone and started over more times that I can count. I have deleted every card in the XXXX app so many times and checked and rechecked every setting known. At least today, Senior Advisor, XXXX, stated the Apple Engineering Team said it is a known issue but there currently no fix available.
Consumer complaint received 2021-05-15
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: EQUIFAX, INC. (NC)

I have been paying or Equifax credit monitoring service and since XX/XX//2021 - I have been unable to pull and get a correct copy of my credit report online. When I pull a copy of my credit file - it comes up all XXXX XXXX  - stating that I have no mortgage, no revolving accounts, no personal information, summary is all zero 's, and no installment accounts. 
I have been talking with Equifax about this issue since XXXX/XXXX/2021 and they keep telling me there is a glitch in their system and they will escalate it and it should be fixed in 7 - 10 days. 
Also, when I call in to Equifax and I put in the requested information at each prompt - Then I am told they could not verify me and transferred me to a live person - who then re-verifies me and tells me about my Equifax credit report and then they will send me out a copy. 
XXXX XXXX also tried to pull up my Equifax credit report and it came up with no information - all zero 's Also, I had removed the freeze from my credit report and applied for credit and the creditor advised me that my Equifax credit report said I had no credit file, no credit score, limited credit experience and I was denied credit. 
As of today XXXX/XXXX/2021 - it still has not been fixed by Equifax and this concerns me because I have been the victim of identity thief earlier this year.
Consumer complaint received 2021-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (DC)

On XX/XX/2021, I signed up for an American Express XXXX XXXX card during the checkin for a XXXX flight. The card offered free bags for the flight. 

However, the Amex application said that while the card was approved, it was not ready for use. The Amex application site then said that instead of free bags for the flight, a {$90.00} credit would be provided on my first statement. 

However, I never received this credit. Amex told me to contact XXXX. XXXX informed me that it is an Amex offer. I informed Amex, but Amex declined to honor the offer and closed the investigation.
Consumer complaint received 2019-01-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/2018, I was on vacation in XXXX XXXX XXXX XXXX, XXXX XXXX charged my debit/ credit card {$540.00}, I did not authorize the charge.The casino was supposed to give me the money in cash that they charged my card, but they did not. They didn't give me a dime. They also lied about how much they charged. I gave permission for them to charge {$500.00} in exchange for the money in cash, but they didn't give it to me. It wasn't till I checked my bank account on the mobile app that I saw they charged even more. I contacted my bank ( TD Bank ) immediately, minutes after the casino charged my card. I told the bank not to allow the transaction go through. They told me it was instant so I would need to file a dispute. I filed that on XX/XX/XXXX or XX/XX/XXXX. They then sent me paperwork to file a report with in depth details. I submitted that on XX/XX/XXXX. I assumed everything was taken care of because I hadn't heard back. However on XX/XX/2018, someone form the disputes department called me to tell me they needed even more proof, this time from the casino saying they did not give me my money. I have contacted the resort/ casino several times, but they have been no help and have stated they are not associated with the casino. However the name of the resort is on the receipt I was given, and they gave me vouchers to check out the casino when I checked into the resort. Since this incident happened I have read numerous reviews on the internet about the casino charging other peoples credit cards and not giving them the money. I have even spoken to a few of these other victims. The " casino '' is a complete scam. TD Bank said they need proof from the casino directly that they never gave me my money, but knowing that would be them admitting fraud they will not give me anything. As my bank I expect TD to protect me and my money. They have had me jumping through hoops for absolutely nothing and enabling this scam to continue.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-25
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. (IL)

on XX/XX/2022 I mailed a letter to the UNITED STATES BANKRUPTCY XXXX XXXX XXXX OF ILLINOIS, asking do they report bankruptcies to the credit bureaus and the COURT sent me a letter back stating that " They do not report any information to the Credit bureaus and they are not responsible for verifying or validating Information from consumers credit files. So how did the credit bureaus verify this allege bankruptcy as a 100 % ACCURATE. They never did a Proper and fair investigation according to the Fair Credit Reporting Act 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) ; The term ''INVESTIGATIVE CONSUMER REPORT '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.However, such information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

the credit bureaus violated my Federal given rights under 15 USC 1681.

According to the FCRA : 15 U.S.C 1681 section 602 A. States I the Consumer have the right to privacy.

According to the FCRA : 15 U.S.C 1681 section 604 Section 2 : it states a consumer reporting agency CAN NOT furnish a CONSUMER REPORT without written instructions OF THE CONSUMER TO WHOM IT RELATES.

According to the FCRA : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any Consumer Reporting Agency if the person knows or has reasonable cause to believe that the information is inaccurate.