davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
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: GOLDMAN SACHS BANK USA (TX)

I received a notification on my phone on XX/XX/XXXX about a transaction of {$630.00} from a merchant called XXXX XXXX and I reported it 9 minutes later. I also requested a new card number 30 minutes later after the transaction because I felt that the card information might be compromised. In addition, I never shared my card number with anyone in my household. I never received any product from the merchant either. Furthermore, the merchant XXXX XXXX is a local company based on XXXX, TX and I'm located in XXXX XXXX, TX and that is XXXX miles away. I contacted the merchant via phone call on XX/XX/XXXX because the website does not have an email address for support/customer service. Store representative told me that they dont have records of the purchase and he added that the store was closed from XX/XX/XXXX to XX/XX/XXXX because of the XXXX of XXXX holiday. I asked the representative for an email so I can email them and have a written confirmation ; however, he said that he can't give me his email address. That being said, I can't have an email from the merchant because he is not willing to provide me with an email or send me a letter. I also reviewed the documentation received on my mail by Apple Card/Goldman Sachs and the documentation is not legible. It looks really blurry and I can't even see exactly what it says. The little details I was able to understand is that the documentation from the merchant is actually provided by XXXX and not from XXXX XXXX. I feel like I'm stuck because Apple Card/Goldman Sachs asks for documentation but I don't have too much to provide because the merchant is not willing to help. Twice before I have spoken to supervisors with Apple Card Support. I have disputed the transaction XXXX times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) with apple card/Goldman Sachs and the transaction has not been resolved in my favor. In addition, I paid all my balance except the transaction in question of {$630.00} and then cancel my credit account with Apple Card/Goldman Sachs because I'm no willing to pay a charge I didn't make.
Consumer complaint received 2018-03-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I applied for membership for USAA based on the eligibility that my father is a military vet with an honorable discharge. I have been met with excuse and hurdle after hurdle, with no one being able to tell me what is wrong with my account and why I can not access Usaa.com. I keep being told my account is restricted and i went through a rigorous verification process, being asked over ten questions. I was able to successfully verify my identity but still my account is restricted and they can not tell me why.
Consumer complaint received 2022-05-02
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. (TX)

For 5 years I have requested copy of the permissible permission used to access my credit report in XX/XX/2017 from Experian and XXXX XXXX XXXX XXXX ( XXXX XXXX  They both refuse. and label my complaints as duplicate.
Consumer complaint received 2022-05-02
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. (CA)

In accordance with the fair credit reporting act XXXX  account # XXXX ACCOUNT # XXXX ACOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # 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 2022-02-02
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. (NC)

The problem I am having is that I contacted XXXX and I spoke to XXXX from this company and I had informed him that the only address that should be showing on my credit report I also disputed a lot of information that wasnt correct on my report I said to XXXX do you guys keep mistakes on people credit report because you guys get paid this way and he said I am correct this is not fair to me and there are violating.
Consumer complaint received 2018-10-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AR)

EXPERIAN, XXXX, XXXX FAILED TO REMOVE THIS ACCOUNT AFTER A 47 DAY DISPUTE AND XXXX XXXX XXXX WAS SUPPOSED TO REMOVE FROM BUEAUS.
Consumer complaint received 2022-11-19
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. (IL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 section 602 A. Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2018-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (OH)

every week for the past 2 months Penn Credit Corp at  XXXX either leaves a message or when call is answered a voice automated teller indicates that we owe a debt of {$74.00} to publishers clearing house. If we are submitting payment via mail press 1, if we can not make entire payment press 2, if we want to currently pay over the phone press 3 to speak to a representative. We have attempted to each prompt and to have our number removed by speaking with a representative and the calls continue. Today XX/XX/18 we pressed 3 to  speak again and it is now asking for a pin number to continue the call. In previous calls, it indicated that the amount was going to be removed from our XXXX XXXX account. This is a SCAM. We do not owe money to XXXX XXXX XXXX and want the calls to stop immediately.
Consumer complaint received 2022-11-19
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: Experian Information Solutions Inc. (NJ)

The information on my credit file states that the account was closed at the consumer 's request which is inaccurate. It also states that a settlement was accepted and the account was charged off. These are XXXX different things. This account keeps reporting to my credit file from XX/XX/18. This information is all incorrect and needs to be removed from my file.
Consumer complaint received 2022-05-02
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. (MO)

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

15 U.S.C. 1681 section 602 A states that 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 2022-05-02
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. (CA)

In accordance with the fair credit reporting act XXXX  account # XXXX ACCOUNT # XXXX ACOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # 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 2022-11-19
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$4800.00} ; XXXX XXXX XXXXXXXX Balance : {$4100.00}
Consumer complaint received 2018-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I have made many attempts to remove debt collection company PORTFOLIO Recovery from my XXXX, XXXX, and XXXX, this Debt collection company has been trying to collect a debt i do not owe in the amount of {$1800.00} for several months. 

I have messaged PORTFOLIO Recovery several times stating that this debt does not belong to me, i have requested copy of the original contract with my wet ink signature, i requested debt validation, i have requested voice recording or video surveillance of me signing up with the original creditor or agreeing to pay PORTFOLIO Recovery or the original creditor. I requested a photo copy of my id or a wet ink scanned signature. 

I have requested PORTFOLIO Recovery to provide a copy of certified letter and receipt that they claim that was sent to me. 

This company has not provided any of this after several request. 

This company keeps sending me in the mail a computer printed credit card statement with a name similar to mine with a balance that doesn't show the purchase history, this statement doesn't show what was purchased, where or when. This statement does not show itemized items of how this balance of {$1800.00} came to be. 

It appears to a be a fake credit card statement and a fraudulent debt generated by PORTFOLIO Recovery. 

I have never agreed to this debt, i never signed any contract or agreement to pay this debt with PORTFOLIO Recovery or any original creditor. 

What methods are being used by PORTFOLIO Recovery to validate this debt as accurate?
Consumer complaint received 2021-03-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Integrity Funding Ohio, LLC (TX)

XX/XX/XXXX IS REPORTING A ACCOUNT NUMBER XXXX FOR $ XXXX XXXX XXXX A DEBT THAT WAS RESULTED FROM A IDENTITY THEFT ON MY CREDIT REPORT I HAVE REQUESTED SEVERAL TIMES TO VALID DEBT WITH MY ORIGINAL SIGNATURE ALONG WITH THEIR ABILITY TO OPERATE IN THE STATE OF TEXAS AND ONLY RECEIVED PARTIAL INFORMATION THERE'S NO ORIGINAL SIGNATURE FROM ME AND THIS DEBT I WANT DELETED IMMEDIATELY.
Consumer complaint received 2022-11-19
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)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$4800.00} ; XXXX XXXX XXXXXXXX Balance : {$4100.00}
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

Started with XXXX breach in 2019! I was exposed, had my SSN stolen. XXXX then offers a complimentary 1 yr " Credit freeze '' That expired. 
XX/XX/2019 I have credit applications filed that I didn't make. I Put Freeze at all 3 Credit Bureas. And filed a FTC report Ref. # XXXX. 
That Report " Expired ''? The Experian Freeze " Expired " and is " Unlocked '' now,? 
I tried to re- lock with Experian and can not Online. But can with XXXX and XXXX. 
( although none of them tell you how long the freeze is )? 

So, I went online to 'Experian '' and with my email and SSN, only,! I was able to get into my account!! Remember in line 1 above, I stated my SSN was hacked? Yes indeed, It's easier to get into my Credit Bureau account, than it is to 'PUT a FREEZE '' on my credit, with Experian!! Unbelievable. 
Now I am getting more Credit card application notices from XXXX XXXX  and XXXX XXXX. I call them and they can not tell me where or who is filing these??
Consumer complaint received 2018-10-30
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: WAKEFIELD & ASSOCIATES, INC. (WI)

XXXX XXXX, Team Leader of Wakefield & Associates, Employee # XXXX has continued to call and harass me and my family. This debt is from XX/XX/2013 and should have already been resolved and removed from them and my credit, as I am have been employed with same company for 15 years and held valid health insurance the whole time. The rest of this debt was paid already by insurance, this is the outstanding. This debt is not mine, as it was to be paid by employer provided health insurance. I have advised them of this numerous times and they continue to call and harass. I asked them not to contact us until the health insurance does their portion to resolve this, yet they keep calling.
Consumer complaint received 2019-08-22
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: ENOVA INTERNATIONAL, INC. (TX)

using my personal information did not apply for anything with them please take me off your opt out list do not pull credit FCRA violation misuse of my credit information found the report on XXXX
Consumer complaint received 2018-07-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HW Holding, Inc (MD)

Hunter Warfield is a debt collection agency for XXXX XXXX XXXX apartments where I used to live in XXXX. I made an agreement with XXXX XXXX to pay off the debt, but I lost my job after I made the commitment and was unable to pay the balance due. I was unable to receive unemployment, so I had no income coming in and in the process I lost my mother whom I was taking care of. I finally got a full time job in XX/XX/XXXX and I started making payments towards Hunter Warfield in XX/XX/XXXX when I finally able to speak with them. XX/XX/XXXX {$120.00}, XX/XX/XXXX {$75.00}, XX/XX/XXXX {$75.00}, XX/XX/XXXX - {$75.00} and XX/XX/XXXX - {$75.00}. The last two checks had to send a sigh receipt because they are holding on to the checks and stating that they are receiving them late. It only takes three business days from Maryland to Florida. The check for XX/XX/XXXX has not been cash but they received it and when I spoke with them today, they stated I was referred to an Attorney office because I didn't send the checks on time. I filed a compliant with XXXX  of Florida but no results and no resolution. It was just left alone. Why am I going to court when I am making consistent payments to the collection agency and we never discuss a particular date that it had to be in there office. It's like they are bullying people to get what they want, know what it takes to get it.
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I mailed a written request to Transunion for my free consumer credit report AND file, which they received on XX/XX/2022 and I am still waiting on correspondence.
Consumer complaint received 2018-07-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: General Motors Financial Company, Inc. (FL)

To Whom It May Concern : First case CFPB # XXXX GM Financial Acct # XXXX On XX/XX/2018 I submitted a complaint to the Department of Agriculture regards my pay off amount disagree and discrepancies on payments and months to go, but GM financial did not response to Dept. of Agriculture or at least before I submitted the complaint to CFPB. After I submitted my complaint to Consumer Financial Protection, and received an email that GM Financial responded to the complaint and sent a letter to me which I just read it. I have not made the {$260.00} payment from XX/XX/XXXX, waiting for CFP response. Because I am not agreed with their response, I called again to CFP and spoke to an agent. Even with the deferred and overdue payments and the contract that I signed, this car is paid off. I already paid to this XXXX XXXX and if I add the {$260.00} for the month of XX/XX/XXXX the total amount will be {$18000.00} summarizing my payments with the statements I received from GMFinancial, with a margin of error. I paid this car double ( 2 cars payment in one ). Therefore, I think is not fair to continue making payments to this account. This is inhumane for me and for others who have been through the same or worse. I am going to send my last payment which was due on XX/XX/2018 according to their contract a car in the amount of {$6900.00} at an interest rate of 16.25 %, repaid in 72 months installments in the amount of {$260.00} per month, 72 months already passed and the total amount as you can see exorbitant. 
Hopefully you can help me to solve this situation in a fair way. 
Thank you so much XXXX XXXX XXXX
Consumer complaint received 2017-08-02
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. (CA)

In XX/XX/XXXX, my 1st and 2nd mortgages were held by XXXX. After trying to proceed with loan modifications for both loans, I was not given any resolution. Instead, both loans were sold off instead of responding to my request. The 1st mortgage went to XXXX XXXX XXXX and the 2nd loan went to XXXX XXXX which is now XXXX. This 2nd is listed as a charge-off with all three credit bureaus, however, the dates vary as to when the loan was placed in default. The total current amount due is {$56000.00}. My credit reports shows the last payment made on the 2nd was XX/XX/XXXX. Yet each credit bureau shows differing dates of either XX/XX/XXXX or XX/XX/XXXX. I have tried to dispute this 2nd loan with all three credit bureaus and it has worked against me. I have proof of the documentation and it states the statute of limitations has passed ( 4 years in California ). I am upset at the fact that XXXX sold this loan off instead of making arrangements with me to modify. Now, XXXX  keeps changing the dates this loan was purchased and it is reflecting on my credit reports. I would like an investigation done to have the dates updated. I know XXXX XXXX/XXXX had a case against them due to this very issue.
Consumer complaint received 2022-11-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The credit reporting agencies have refused to comply with laws set forth by the FCRA. The agencies are not doing a complete investigation into the obvious problems in question disputed by me the consumer. They willfully continue to furnish incorrect student loan information reported by XXXX on my credit report. Such false information being furnished has caused me to lose out on countless opportunities to advance myself and my children to the next level. The agencies are furnishing transactions and experiences that the credit agencies never got my written approval to furnish. XXXX has been reporting my account incorrectly as open and it has been closed and transferred to a new servicer. They are also reporting experiences and transactions in the form of inaccurate late payments. Please delete this entire account from my credit file. I have never authorized credit agencies to furnish any of my personal transactions with XXXX. 

15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instruction.15 U.S.C 1681 section 602 A. states I have the right to privacy. If the situation is not remedied I will be filing a lawsuit.
Consumer complaint received 2020-01-27
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: Santander Consumer USA Holdings Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX The Complaint Department. 
Consumer Financial Protection Department I opened a Car Loan account with Santander Consumer USA in XX/XX/XXXX. I have made ontime payments since then, see documents attached. I notice on XX/XX/XXXX that Santander had completely taken off the account from my XXXX   Credit Report, i have spent the last 3 weeks trying to resolve this issue with Santander. This has impacted my credit score. I need this Santander to report this account to XXXX.