davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-02
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: Experian Information Solutions Inc. (NC)

I have tried multiple times, with no success, to get validation of a debt being reported on my Experian and XXXX reports. I have contacted Experian, XXXX and XXXX XXXX XXXX for validation, however, the only thing I continue to receive are updates to my disputes that the account has been verified and updated. I have yet to receive documentation, as requested from either party. I 'vebeen trying for two months now with no success. I 've sent US Certified Mail to all three parties on  multiple occasions. In addition to me trying to get these two accounts being reported by XXXX XXXX XXXX deleted from my credit report, there has been a third account added to my report, with an open date of XX/XX/XXXX that was not on my report prior to XX/XX/XXXX. I am not sure why this account was added to my report. The account numbers are # XXXX in the amount of {$1900.00}, # XXXX in the amount of {$500.00} and the third account # XXXX in the amount of {$2400.00}, which is the total amount of the two previous accounts added together. XXXX XXXX XXXX added a third account to my creditreport combining the two totals from the previous accounts and now, it is showing that I have three outstanding accounts with this company. Not only has Experian, XXXX and XXXX XXXX XXXX failed to provide me with written documentation as to the validity of this debt, they have also not provided me with documentation as to how they went about verifying the debt. I do not believe that the debt can be validated and am asking that all three negative entries be deleted from my credit reports immediately. 
Finally, I checked the North Carolina Department of Insurance website to see if XXXX XXXX XXXX  had the permits to collect on this debt and they do not.
Consumer complaint received 2024-05-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: VW Credit, Inc (CA)

I was approved for a lease for a 2023 XXXX XXXX in XX/XX/year>. Since then, Ive made a total of XXXX on time payments totaling XXXX. I contacted Volkswagen Credit/Audi Financial Services to inquire about a lease/buyout because I wanted to lower my monthly auto payments and get a lower interest rate as well and I was informed that I would need to go to an XXXX or XXXX dealership to start the process if I wanted to do a lease/buyout. So I went to XXXX XXXX XXXX in XXXX XXXX and I explained to the one of the sales representatives what I was trying to do and what my concerns were and he sent me a link to apply for credit. I applied for credit and I was denied by multiple lenders. Apparently, I was denied credit because my score was too low and I didnt meet the requirements to get a loan even though I already have a loan currently with Volkswagen Credit/Audi Financial Services and Ive been making my payments on time. Originally when I got my loan in XXXX I was denied again and then for whatever reason they were able to get me approved for the lease. Now that Im trying to do a lease buyout Volkswagen Credit/Audi Financial Services is denying me credit. Which I dont understand why when I currently already have a loan with them and Ive been paying on time for almost a year now without missing one payment.
Consumer complaint received 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

About XXXX months ago, I responded to a message from XXXX XXXX XXXX to receive credit reports weekly, for free for XXXX months. I have not received anything, not even confirmation. 

Im feeling like Ive been taken and wish to correct this and limit any risk or exposure. With no response from the company, I think I need your help.
Consumer complaint received 2021-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: XOOM CORPORATION (SC)

{$510.00} was fraudulently taken from my bank account by XOOM ( a global money transfer scheme operated by XXXX before the incident I had never heard of XOOM and have no account with them the fraudulent action was taken via my Debit Card
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I've tried to ask them how to get off there list and they just hang up. Some times they vulgar when I ask them. 

XXXX, caller I'd XXXX.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my Transunion report and found something odd : they say I missed two payments on an account I always pay on time. Consumer Reporting Agencies are supposed to get things right, but it seems there's a mistake here. I've never been late with payments for this account XXXX Account Number : XXXX. I am submitting proof that XXXX and XXXX are reporting the status of Paid as agreed and Current. 

Please see attached screenshot. 

I need those payments fixed to show they were on time, because they were. Thanks for sorting this out.
Consumer complaint received 2022-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The companies listed below are unlawfully reporting an unauthorized inquiry on my consumer report. 
I have not given them permission to access my credit profile. 
I have not initiated any transaction with the companies listed below. Furthermore, I do not havean account as defined under 15 U.S.C. 1693a ( 2 ) with the companies listed below for review orcollection. 
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 XXXXXX/XX/XXXX. 







Dispute letters were sent to the companies to dispute the matter, no correspondence yet.
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (FL)

I purchased a couple of chairs from camping World, they then sent me a XXXX  XXXX credit card through Comenity Bank that I did not apply for, and I do not want. I called and all I got was automated system and got to close it out but says they don't report it as customers request ... .and then finally I got to get to a representative and they're going to report unsolicited to the credit bureau in the meantime I'm in the process of doing a home equity loan and I surely hope this doesn't cause an issue.
Consumer complaint received 2020-07-22
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. (CA)

Hello I tried several times to have my loan with XXXX resolved after they unfairly repo my vehicle on XX/XX/XXXX, fortunately, recent my Attorney general from the state of California announced that a settlement has been reached and XXXX has agreed to remove all negative information from my credit report and completely paid off any amount of money that was owed to them, I tried to speak to someone at XXXX but they have not answer nor return my call. 

Please see the below as a reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  https : XXXX California Attorney General XXXX XXXX today, along with a coalition of 33 other attorneys general XXXX announced a multistate settlement with XXXX XXXX XXXX XXXX ( XXXX  ) that includes over {$550.00} XXXX in nationwide relief for XXXX XXXX California consumers will receive over {$99.00} XXXX of that amount. 

As part of the settlement, XXXX will provide over {$99.00} XXXX in relief to thousands of California consumers who XXXX approved for its abusive high-cost loans. Consumers with the lowest quality loans who had defaulted as of XX/XX/XXXX, and have not had their cars repossessed, will be allowed to keep their car and have any deficiency balance on the loan ( up to a total value of {$45.00} XXXX in deficiency waivers nationwide ) waived. XXXX will also waive the deficiency balances for certain defaulted consumers across the country, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by XXXX, and additional deficiency waivers of loans that XXXX no longer owns but is required to attempt to buyback.
Consumer complaint received 2022-09-13
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. (GA)

I asked Transunion Credit Bureau to complete a verification on the accounts below that are on my credit report. They told me they completed the verification, and everything was accurate, however I completed thorough research myself and found improper inaccuracies on my credit report even after they completed their research. 
In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX 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. 
In the attachments you will see : Dispute Letter sent to Transunion via Certified Mail on XX/XX/2022. 
Copy of the Certified Mail Receipt Credit Report from XX/XX/2022 o The accounts in question and inaccuracies are highlighted Updated Credit Report from XX/XX/2022 o The credit bureau stated my accounts were verified, but the inaccuracies are still present. The accounts in question and inaccuracies are highlighted
Consumer complaint received 2020-07-22
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: EQUIFAX, INC. (CA)

Hello I tried several times to have my loan with XXXX resolved after they unfairly repo my vehicle on XX/XX/XXXX, fortunately, recent my Attorney general from the state of California announced that a settlement has been reached and XXXX has agreed to remove all negative information from my credit report and completely paid off any amount of money that was owed to them, I tried to speak to someone at XXXX but they have not answer nor return my call. 

Please see the below as a reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California Attorney General XXXX XXXX today, along with a coalition of 33 other attorneys general XXXX announced a multistate settlement with XXXX XXXX XXXX XXXX ( XXXX ) that includes over {$550.00} XXXX in nationwide relief for consumers XXXX California consumers will receive over {$99.00} XXXX of that amount. 

As part of the settlement, XXXX will provide over {$99.00} XXXX in relief to thousands of California consumers who XXXX approved for its abusive high-cost loans. Consumers with the lowest quality loans who had defaulted as of XX/XX/XXXX, and have not had their cars repossessed, will be allowed to keep their car and have any deficiency balance on the loan ( up to a total value of {$45.00} XXXX in deficiency waivers nationwide ) waived. XXXX will also waive the deficiency balances for certain defaulted consumers across the country, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by XXXX, and additional deficiency waivers of loans that XXXX no longer owns but is required to attempt to buyback.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: GOLDMAN SACHS BANK USA (IA)

Apple ID was stolen XX/XX/year> and my apple card was used to buy XXXX XXXX  in XXXX. This put the balance of my card at 5x my limit over night. Those transactions have been reversed but the cash back from those transactions reversed also and still shows on the card even though that is something that was also stolen with my Apple ID. I have called consistently over the last 1 1/2+ years and it has still not been resolved even though every time I talk to their fraud department they say they will update it and get the credit reporting charge off corrected and now they are denying the disputes I file through the credit unions. This has taken well over 30 days, I have not been notified of any outcomes because they will only use my icloud email even though I have explained over and over that that was stolen with my appleID. It should be very obvious that this balance should be at {$0.00}. The amount on there was posted well after the account closed and on top of that there are late fees even though I was told not to make payments because I then claimed responsibility.
Consumer complaint received 2022-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2022, I was on the Application offer up looking to buy a XXXX XXXX XXXX XXXX XXXX and I found one for a reasonable price. The man selling it went ro XXXX sent me the receipt of the delivery, so I sent him half of the money which was {$420.00}, after that he stopped answering after receiving the XXXX.
Consumer complaint received 2020-08-24
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: Amsher Collection Services, Inc. (OH)

AMSHERCOLLECTIONSERVICES # XXXX To Whom It May Concern, The reason for my dispute is AMSHERCOLLECTIONSERVICES # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, AMSHERCOLLECTIONSERVICES # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809,807 ( 1 ) AMSHERCOLLECTIONSERVICES # XXXX Validations of date and Mini-Mirandi under Section807 ( 1 ) AMSHERCOLLECTIONSERVICES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation AMSHERCOLLECTIONSERVICES # XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where AMSHERCOLLECTIONSERVICES # XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. AMSHERCOLLECTIONSERVICES # XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2020-07-22
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: FIRST NATIONAL BANK OF OMAHA (GA)

I have a loan with FNB OMAHA. I have always made my payments on time. For some reason I realized that there was a charged-off account on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and FNB OMAHA with no successful resolution. XXXX  is only reporting this account. There was definitely an error on their part.
Consumer complaint received 2020-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (NJ)

Credit management LP is trying to collect a debt of {$210.00} not owed. this is not my debt i dont know who this company is and they have added a negative and derogatory mark on my credit score.this is illegal
Consumer complaint received 2024-05-15
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I have sent have several transfers of money using XXXX. One such transfer was on XX/XX/2023 when I sent XXXX from USD to EUR using my connected bank account ( ACH ), which is USAA. It cost XXXX USD and will now cost XXXX USD. * This is because the fee for sending USD to EUR using my connected bank account ( ACH ) has gone from XXXX USD + 0.58 % to XXXX USD + 0.68 %. These include Hidden remittance fees = junk fees! which are buried in each transaction. 

On XX/XX/2023 I transferred XXXX from USD to EUR, and on XX/XX/2023 I transferred XXXX from USD to EUR, each of which include Hidden remittance fees = junk fees! which are buried in each transaction. ( i.e. FX markups ) Hidden fees included in a currency exchange transfers are junk fees.
Consumer complaint received 2017-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ORG GC GP BUYER, LLC (WI)

XX/XX/2017
 This morning I called GC services to see where the status of my student loan payments were I was currently  on a payment plan for $XXXX a month When I called they told me im no longer on a pay arrangement. GC services stated that I had to start the payment program again I said why im already on the payment arrangement the lady then put the manager on the phone he  informed  me that  they deleted my card information  they claimed to have called me ,but i didn't receive a phone call ,or email ,also I was sent proof of my payment received and put towards my amount .I was told that I had to do the program all over  again which will effect my Income taxes and my enrollment in college. Also the manager stated that there wasn't a payment set arrangement set-up i started it in XX/XX/XXXX here is proof
Information from GC Services Regarding Your Student Loan With XXXX XXXX XXXX
GC Services 
To	XXXX  XX/XX/XXXX at XXXX XXXX
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XXXX XXXX XXXX
Address: XXXX XXXX XXXX XXXX 
Dear XXXX XXXX XXXX
Our records indicate that we have your permission to communicate with you via email at the following address: XXXX
To open your secure enotice document:
1.  Open the PDF attachment.
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We are committed to customer satisfaction. If you have any questions, please contact us using the contact information below.
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Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (MI)

Initial date of incident : XX/XX/2022, XXXX XXXX My XXXX was hacked and taken over by a XXXX party. A Goldman Sachs Apple Card was linked to this AppleID. I reported the hack to Apple within minutes of it happening. 

Despite my fast action in reporting the problem, the hacker then made purchases of approximately {$22000.00}. Other charges came through the account, as late as XX/XX/2022, despite the fact that all cards associated with this account were supposed blocked/frozen on XX/XX/XXXX. 

Access to my AppleID is lost forever as the hacker is in control of it. 

Goldman Sachs/Apple Card refuses to issue a new card using my new XXXX XXXX. They say I can not apply for a new card until all issues are resolved and that I must cancel the old account and reapply for credit as if they do not know me nor my excellent history with that account. In order to reapply, the old card must be paid off in full, including a monthly installment purchase of a product from Apple. 

Account cancellation and reapplying will impact my credit score. The company said that my hacking/fraud may or may not be used in considering a new application for credit. As of today, two months later, the issues have not all been resolved. So, I wait.