davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (NJ)

Goldman Sachs ( Apple Card ) Payment placed on XX/XX/XXXX could not find payment of {$4900.00} an investigation was done internally. 
Provided them with check tracking number, date issued, and the amount. 
Was charged interest because they misplaced payment. 
Contacted issuing bank and they did their own investigation. They stopped payment and re issued it to me in which I then sent payment in a higher amount of {$6700.00} posted on XX/XX/XXXX another payment of {$300.00} posted on XX/XX/XXXX and {$1000.00} posted on XX/XX/XXXX payments posted in XX/XX/XXXX {$300.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$1000.00} to Goldman Sachs . 
They charged me interest again. 
A total of {$200.00} in interest which shouldve been refunded. 
Made several complaints between the dates XXXX. 
Kept giving me different information asking for the same proof of payment ( sent via text XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) emailed proof, ( XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX ) They havent reviewed or documented anything properly. 
Ive been on the phone for almost 2 hours at a time over the last 6 weeks trying to get them to refund the interest including going over every charge made since XX/XX/XXXX.
Consumer complaint received 2017-10-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

I have federal student loans serviced by two separate companies -- Navient and XXXX. I have been paying my student loans on an IBR plan since around XX/XX/XXXX. I submitted documentation to update my Income-Based Repayment Plan in Summer of XX/XX/XXXX. XXXX processed the documentation, and adjusted my monthly payment accordingly. Navient, on the other hand, claimed that I did not qualify for IBR. When I pointed out the fact that the other student loan company ( XXXX ) reached a different conclusion, Navient would not reconsider their position or provide any explanation of how they reached the conclusion that I did not qualify. I asked for them to provide a written explanation of how they reached this result, or the calculation that they conducted to reach this result. None such explanation was provided. I asked if there was a process to challenge the conclusion or request reconsideration, and I was told no. At one point, the Navient representative stated that XXXX reached a different result than Navient because XXXX services a different type of federal loans. I had to point out that IBR applies to all federal student loans, I have no private loans, and there was no difference in the rules. This is not the first time I have had problems with getting Navient to correctly calculate my IBR monthly payment.
Consumer complaint received 2021-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I sent Bank Of America, N.A an affidavit stating that my consumer rights had been violated. A few weeks later my account was closed after doing so, and they have now hired an attorney for this alleged debt.
Consumer complaint received 2017-10-05
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. (AR)

I have recently received a copy of my credit reports with inaccurate, unauthorized alleged inquires. I 've followed all the proper steps by phone and by certified mail in reference to removing these inquiries from my credit reports. ( XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. ) Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file concerning these inquiries that you are reporting on my credit reports. If you do not have any documentation in your files to verify the accuracy of these inquiries then PLEASE DELETE THEM IMMEDIATELY as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).
Consumer complaint received 2024-03-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Westlake Services, LLC (CO)

In XXXX of 2022 a cease & desist was put on communication for my account. They told me it could be as simple as saying these calls annoy me. But, they did not disclose what was actually said to initiate said XXXX & XXXX order. My auto pay schedule got cancelled, again not sure how. I know its my responsibility to pay attention to my finances, but somehow months went by without my payments being made. My loan was defaulted on, and my truck is up for repo. I only know this because I called them. They never sent a legally binding notice of default, or a repossession notice. They claim that the XXXX XXXX XXXX order prevented them from that, yet it allowed my account to go so far into default. State of CO law says my truck cant be repossessed without notice, but they argue differently. Im trying to resolve this, but they will not budge.
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX was paid in full. They hired credit karma to report to the three major credit bureaus tthat my account is overdue in payments. The history is inaccurate.. This account is paid. XXXX is reporting to Transunion XXXX and XXXX inaccurate history and status. This account is old and was resolved years ago so now this fraudulent reporting must end. The account is paid and it should say that. It's been years since I paid this XXXX. The status is inaccurate. Iam attempting to resolve this before taking legal action. This practice is infair and staines my future financially.
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (IL)

Free Annual Credit Score re : experian.com I have spent most of the afternoon with EXPERIAN on the web and phone trying to accomplish two simple things : 1 ) Placing a security freeze to my credit report. EXPERIAN was able to allow me to ACCOMPLISH this.
2 ) Obtaining my free, annual credit score. EXPERIAN was a DISASTER of circuitous, unhelpful links and phone numbers.
No one seemed able to help me or answer the simple question : how do I obtain my free, annual credit score, without having to purchase an Experion membership or contract. The last person with whom I spoke was rude and transferred me to XXXX number for Membership, which announced there would be over a half hour wait.
Thank you for looking into this and being there for all Americans.
Consumer complaint received 2020-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (IL)

As a result of identity theft a XXXX account was opened in my name unauthorized. I reached out to the XXXX XXXX  company to get this matter resolved but had no luck. I provided them with all the information necessary to get this matter resolved and I had no success.
Consumer complaint received 2020-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (TX)

The original debt was to the apartment complex that I lived in. I was a victim of a violent crime and the Texas Attorney General 's office took care of the balance owed. Appropriate documentation was sent to facilitate this process. The listed collection agency continues to pursue a debt not owed.
Consumer complaint received 2017-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

REFER TO COMLIANT XXXX, TILA VIOATIONS, FCBA, FDCPA, T.C.P.A, FCRA AND OTHER STATE CONSUMER LAW INFRACTIONS.
Consumer complaint received 2024-03-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC (NJ)

I believe this debt is fraudulent as this collection agency Contract Callers Inc has NOT and CAN NOT provide any documents to support their claim that I owe them a debt. On XX/XX/2024 I submitted a complaint to the cfpb about this issue and I had asked them to send me proof or evidence that they have sent me or given me an opportunity to dispute the debt before it being reported on my consumer reports. However they have admitted that they did not send it via certified mail so I did not receive it. Additionally they stated that they can verify it through the post office BUT this is just hearsay as they have also sent it to an address that is NOT mine. Lastly, they claim that they gain this debt from another creditor, pursuant to Uniform Commercial Code Article 3-203 that would be considered a transferred instrument and unless I endorse that instrument I am NOT liable. This means that they will need proof that I endorsed this instrument with their agency after it was transferred, so I am also requesting proof of that. I demand that this company send me all validating and verifying information that I requested in the attached letter that I have sent previously ( they did not provide this information thus proving their clear FDCPA violation ). If this matter continues, I will seek legal action as this agency is practicing unfair, deceptive, false and misleading debt collection practices which directly opposes the procedures of the Fair Debt Collection Practices Act.
Consumer complaint received 2021-07-05
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. (FL)

on XXXX XXXX & XX/XX/XXXX XXXX i received numerous notifications that their has been numerous inquires made to my consumer credit report in which i had know knowledge of, issued by the following companies : XXXX XXXX on XXXX, XXXX XXXX XXXX XXXX on XXXX XXXX XXXX card on XXXX XXXX  car sale on XXXX XXXX and us small administration on XXXX XXXX XXXX : Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. 
I XXXX XXXX XXXX never gave these cXXXX XXXX  on XXXX, XXXX XXXX XXXX XXXX on XXXX XXXX XXXX card on XXXX XXXX car sale on XXXX XXXX and us small administration on XXXX XXXX. written consent to report anything on my consumer report, NO consent is identity theft .and to add on the 3 major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 )
Consumer complaint received 2019-05-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX/XXXX   partial account number XXXX. This account actually needs to be coded as an M1. ( Please see pages 6 and 7 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2024-03-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONGRESS COLLECTION CORP (MI)

Received initial phone call from Congress Collection on XX/XX/XXXX asking to collect on debt owed that I was not notified of beforehand. During this phone call, I advised I was unable to make any payments at this time. They stated collection efforts would continue and that it would be reported and hurt my credit if I did not pay. They also left voicemails attempting to collect the debt on XX/XX/XXXX without verifying that the voicemail was private or not.
Consumer complaint received 2022-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CT)

My Synchrony mastercard statement with a due date of XX/XX/XXXX contained two fraudulent charges. I receive the bill in about the middle of the preceeding month, so bill received XXXX, XXXX. XXXX was from XXXX XXXX XXXX XXXX DE for {$59.00}. The other was from XXXX XXXX CO for $ XXXX told Synchrony these were fraudulent charges on XX/XX/XXXX and my card was closed while the case was investigated and I was mailed a new card with a new number. I received a form letter from Synchrony dated XX/XX/XXXX that my fraud claim was not approved because " The purchased item ( s ) were shipped to your address. '' I complained that Synchrony has no receipt from the merchants because I never purchased anything from them ; never heard of them until the charges appeared on my statement. I asked for proof of receipts.This same process has now played out 3 times ( my claim denied but no receipts produced -- because I didn't buy anything and didn't receive anything ). I am sick of the time these fraudulent charges have taken ; I've written letters to Synchrony and called now 4 times. All the credit card company does is re-open the case but never provide proof of the basis of its wrong decision. This is theft. I won't pay the {$80.00}.
Consumer complaint received 2021-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Creditors Bureau Associates (NC)

Im showing that there is a dent on my credit report that Im not aware of I have a FTC report now for fraudulent items on my report also I was never contacted to even dispute this matter they also broke the same bill from the same place up into two separate bills so it looks as if I have two negative collections on my credit report I want this removed or Im going to sue this debt was sold to collection
Consumer complaint received 2021-07-05
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: United PanAm Financial Corp. (FL)

on XXXX XXXX & XX/XX/XXXX XXXX i received numerous notifications that their has been numerous inquires made to my consumer credit report in which i had know knowledge of, issued by the following companies : XXXX XXXX on XXXX, united auto credit company on XXXX XXXX XXXX card on XXXX XXXX/XXXX  car sale on XXXX XXXX and us small administration on XXXX XXXX XXXX : Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. 
I XXXX XXXX XXXX never gave these XXXX XXXX  on XXXX, united auto credit company on XXXX XXXX XXXX card on XXXX XXXX/XXXX  car sale on XXXX XXXX and us small administration on XXXX XXXX. written consent to report anything on my consumer report, NO consent is identity theft .and to add on the 3 major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 )
Consumer complaint received 2017-10-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

Tried to resolve issue with XXXX debt reported on my credit. They advised that I would have to speak with the original credit about reporting the incorrect amount. I forwarded them emails to correct the amount and they refused to correct the balance. They read me notes that they received a call from an employee of the property that I was not responsible for the debt, but they said that they said that they needed to get paperwork from the property. I forwarded emails to the collection company from the property showing that I did not have a balance, but they said all they can do is forward it to their accounting department. I am just trying to understand why they are trying to collect on an account that shows that I have a zero balance.
Consumer complaint received 2017-10-05
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: Experian Information Solutions Inc. (NJ)

Experian was advised that my car was totalled. Had loan with XXXX and GAP insurance through XXXX. XXXX short paid XXXX and now they are chasing me for the remainder, ruining my credit reflecting 60 days late. I was current with payments and had no finance or late charges.
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MO)

My last credit report from all three agencies is dated XX/XX/XXXX. As usual, shortly after XX/XX/XXXX I send all required documentation that identify my identity to all three credit reporting agencies. I never receive a report. I understand we were at the beginning of the pandemic. I wonder : What happened to that mail piece with lots of identity data? 
How do I know that if I send my identity information again I'll get my reports? 

I am just a financially responsible individual that like to keep my credit database correct as is my responsibility. Credit agencies will add to our record anything that smell, look and might sound like belongs to us without any responsibility. Credit agencies only respond to financial institutions that pay and finance to some extent credit reporting. I understand and accept that fact. 

Please provide an answer to both questions at your earliest convenience.
Consumer complaint received 2017-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (AZ)

In XX/XX/XXXX my daughter bought what she believed was a 3 month membership to XXXX XXXX. She and I met with a personal trainer and advised him we were only on a 3 month membership-he never advised us otherwise. We went only in XX/XX/XXXX and quit going. They did not bill her after the 3 months (XX/XX/XXXX-XX/XX/XXXX ) but in XX/XX/XXXX they suddenly billed her on her credit card. We advised them it was an invalid charge. They advised us she was on a monthly contract and needed to notify them to cancel. Unfortunately my daughter did n't read the contract and they had put her on month to month. We notified them to cancel. They said it was billed in arrears so they would cancel next month. So she went ahead and paid that charge. BUT they billed her credit card again the next month. We disputed it through her credit card and they charged it back to the fitness center. The next month they tried to bill her again. We cancelled the card and it was charged back to them again. Almost 1 year later they decide to send me a bill in the mail. I sent them all the proof that the membership had been cancelled and advised them that I never signed anything or authorized them to bill me in anyway. They advised me they would take care of it. They referred it to a collection agency. I advised the collection agency that my daughter has cancelled her billing and that I never signed anything and the charges were not owed by me AND I advised them never to contact me again. I just received another threatening " attorney '' letter with proof clearly showing that I never signed the contract. I have all the credit card paperwork and dispute letters still.
Consumer complaint received 2018-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lyons, Doughty & Veldhuis, PC (AZ)

I received an interim report and answer of garnishment for a debt that does not belong to me and is name on the case is not mine. The garnishment is another state and court of another state not of my identity.
Consumer complaint received 2017-10-05
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)

I contacted this credit repository through a dispute letter dated XXXX XXXX, 2017 to dispute the INCORRECT and INACCURATE information being reported in my file. Attached to this complaint is a copy of my second letter I will be sending to this credit repository since Inaccurate and incorrect information are still reporting, from the status, payment history to the account opened and closed date and also the highest balance being reported. All these information are incorrect and inaccurate. This violates the FCRA.
Consumer complaint received 2017-10-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Reporting Coinbase - sold my digital currency and placed in my EUR wallet. Followed instructions to send XXXX XXXX payment from XXXX bank account to get it verified and allow me to widthdrawnmy money. They state it takes 2 days after payment clears. That was XX/XX/2017 and my account is still not verified and I ca n't get my money out. I have sent 25 emails, raised 2 support tickets and send I direct XXXX   messages - no response. My case numbers are XXXX and XXXX. If you could please assist me in this it would be much appreciated. I feel like my money has been stolen. Thanks XXXX
Consumer complaint received 2017-10-05
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: Experian Information Solutions Inc. (CA)

I contacted this credit repository through a dispute letter dated XXXX XXXX, XXXX to dispute the INCORRECT and INACCURATE information being reported in my file. Attached to this complaint is a copy of my second letter I will be sending to this credit repository since Inaccurate and incorrect information are still reporting, from the status, payment history to the account opened and closed date and also the highest balance being reported. All these information are incorrect and inaccurate. This violates the FCRA.