davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
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. (MO)

I am writing to express my extreme frustration and disappointment with the repeated unsuccessful attempts to remove fraudulent items from my credit report. Despite numerous efforts on my part to rectify this matter, the fraudulent entries persist, causing significant distress and harm to my financial well-being. This complaint serves as a formal notification of the ongoing issue and my expectation for an immediate and effective resolution. 

I discovered unauthorized and fraudulent items listed on my credit report, which have had a detrimental impact on my credit score and financial standing. Upon discovering these discrepancies, I promptly took action to dispute the fraudulent entries by following the established procedures outlined by 3 Credit Bureaus Despite submitting all necessary documentation, including police reports, affidavits, and supporting evidence, the fraudulent items remain on my credit report. I have contacted your customer service department on numerous occasions, spending considerable time and effort to resolve this matter, yet to no avail. 

The persistence of these fraudulent items not only damages my creditworthiness but also undermines my trust in the integrity of the credit reporting system. As a victim of identity theft, I am entitled to prompt and thorough resolution of this matter to mitigate the adverse effects on my financial stability and reputation. 

I demand immediate action to address the following : The immediate removal of all fraudulent items from my credit report. 
Written confirmation of the removal, along with updated credit reports reflecting the correction. 
Compensation for any damages incurred as a result of the fraudulent entries, including but not limited to, financial losses, increased interest rates, and emotional distress. 
Failure to resolve this matter promptly will leave me with no choice but to escalate this complaint to the relevant regulatory authorities and pursue legal action to seek redress for the damages suffered. 

I urge you to take this complaint seriously and prioritize the resolution of this matter without further delay. I am asking for your assisstance to remove these fraud items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

My husband died from XXXX on XXXX XXXX. 
On XX/XX/2021, Equifax automatically renewed my Complete Family Plan and charged my XXXX card {$290.00} for an annual subscription. 
Due to my husbands death I no longer needed a family plan. I contacted Equifax and was told that I could not switch plans. I had to cancel the plan and subscribe to a different plan. 
On XX/XX/2021 I canceled the Family Plan and received an email stating my cancellation had been received, it would be effective XX/XX/2021 and You will receive a refund for any fully unused months in your annual subscription. 
On XX/XX/2021, I received an email stating the Family Plan was canceled. 
On XX/XX/2021, I contacted Equifax to follow up on the refund. The first person I talked with said there were no refunds given for annual subscriptions. I argued with her and was transferred to another person who said I did not request a refund in time but he would send my case for review. I told him that was not satisfactory and I wanted to speak to some one higher. I was told to call back the next day. 
On XX/XX/2021, I spoke with someone who said I am entitled to a refund but due to a system glitch it had not been processed and that I should see a credit on my XXXX within two days. She gave me a case number XXXX and said I should call back if I did not see a refund in two days. 
On XX/XX/2021, I called Equifax because I had not received a credit. I was told it would take 7 to 10 business days from XX/XX/2021 for the credit to appear. 
On XX/XX/2021, I followed up with Equifax because I had not received the promised refund. First, the representative told me there were no refunds for annual subscriptions, then he looked up the case number and said the question of my refund was under advisement and no decision had been made. I insisted on speaking to a supervisor and was put on hold for almost an hour. Finally, a person who told me her name was XXXX and that she was a supervisor got on the phone. She stated that I am entitled to a refund but that none of the previous representatives had requested a refund. She the stated that she was putting through a PRIORITY CLAIM for my refund and that I should see the refund in 7 to 10 days. She gave me a new claim number - XXXX. She promised to send me a confirming email and gave me her email address. I did not receive the confirming email and when I attempted to email her, the email was returned due to an invalid address. It has been 13 days since I talked with XXXX and I have not received my refund. 
I do not think I can make any progress by continuing to contact Equifax
Consumer complaint received 2018-09-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC (FL)

Current Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Previous Creditor : Pendrick Capital Partners LLC Reference # : XXXX Balance Due : {$180.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Original Acct # : XXXX Original Balance : {$180.00} Date of Medical Service : XX/XX/2014 I received a debt collection letter as well as a negative mark on my credit reports for the above listed account. Originally, Pendrick Capital Partners LLC had to remove the information from the credit bureaus and cancel the collection because they were unable to prove the billing providing bogus information and a falsified bill information. XXXX XXXX XXXX   XXXX is not owed this money hence the dispute. 

However, they to pursue this action by posting negative collection information on my credit. I have requested that this debt be removed as soon as possible. The fact that they sold this debt and it continues to be an issue has caused me to file a complaint. 

Selling and re-selling a debt that is not mine and my having to constantly remove from my credit is creating a problem for me.
Consumer complaint received 2016-06-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NJ)

On XXXX XXXX, 2016, I requested a copy of the written instrument ( all pages, both sides ) that clearly shows that XXXX Master Parcipitation Trust is the " new creditor '' of my loan, the loan having been assigned from XXXX XXXX XXXX. In response, all I got was a letter saying stating the same, exact information ( see attached ). A second response has been requested.
Consumer complaint received 2017-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

My credit card with USAA was falling behind in payments. At one point, I got a letter about how much was past due that mentioned a special debt solutions payment plan. I called USAA and enrolled in this payment plan. Under the payment plan, I would pay $ XXXX/mo. After 4 consecutive months of making these payments, my account would be brought current. The first payment was made in XXXX. I have, however, continued to get letters about my account being past due even though I have made every monthly payment at least through XXXX ( not sure if XXXX came out yet ). That makes 7 months of making the payments. My account is due according to the payment plan I entered into with USAA. I attempted to call previously about a month ago ( XXXX ) to straighten it out. The woman with USAA was n't much help and wanted to talk more than listen. After explaining the plan several times, she finally understood and said she would make a note for the debt solutions team to fix it. Yet I 've still gotten letters. Tonight, I called again after getting a letter dated XXXX XXXX. XXXX answered. I explained the situation. She looked into it. She came back and explained that there were two payments made in addition to the $ XXXX monthly payments. Because these two payments were for less than {$190.00}, they counted as an insufficient payment for the payment plan and reset the months needed to bring the plan current. In effect, I paid too MUCH on my balance and was therefore past due. This is obviously a problem caused by automation and not how the plan is supposed to work. XXXX at this point became unhelpful and stonewalled any attempt I offered to resolve the situation. At one point, she asked what I wanted, to which I responded " I would like my account that is current in reality to be reflected as current in your system. '' Her response was that 1 ) she could n't do that and no one else could, and 2 ) my account was NOT current. At no point did I raise my voice, become abusive, or curse. She finally offered to transfer me back to debt solutions so they could look at it ( even though I knew they would n't be able to do what I wanted ). I said sure. She transferred me supposedly to them. I have been transferred to them before and the wait was never more than 5 minutes. I remained on hold for another 35 minutes before my phone shut down.
Consumer complaint received 2019-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (MI)

I purchased bitcoin {$500.00} worth off of coinbase on XX/XX/2019 for a total price of {$510.00} which had a {$10.00} fee assocaited for the transaction. The money was taken out of bank account via ach on XX/XX/2019. I then wanted to send the money to someone via a direct transfer. I was informed by coin base I couldnt send my money until a 10 day business hold had taken place. Which I find unreasonable because the money was taken out of my account. As you know the price of bitcoin flucuates daily. I bought it to send right away, not to hold for 10 days. I then called them an explained my funds had been taken out of my account, and I would like to send it. They told me I couldnt, but said I could sell it and then buy it back when I wanted to send it. This would allow them in charge me two more fees!!!!!! Imgiane how much money they can have on hand to manipulate the market if they do this.  They could have miilions of dollars they have taken out of accounts to easily by and sell to manipulate prices. They told me they couldnt refund my XXXX or even my fee.
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I was discharged from chapter XXXX bankruptcy in XX/XX/2018, there are multiple accounts showing incorrectly on my Equifax credit File XXXX XXXX XXXX autoloan-showing open with late payments, should be showing included in bankruptcy XXXX XXXX XXXX autoloan-showing open with late payments, should be showing included in bankruptcy XXXX XXXX Credit Card, showing charged off with an open balance of {$4200.00}, should be showing included in bankruptcy XXXX XXXX XXXX-collection account showing open, should be reported as closed or removed as I am not longer responsible for this account as it was included in bankruptcy XXXX XXXX XXXX-collection account showing open, should be reported as closed or removed as I am no longer responsible for this account as it was included in bankruptcy XXXX XXXX XXXX-collection account showing open, should be reported as closed or removed as I am not longer responsible for this account was it was included in bankruptcy I have disputed these accounts multiple times which has resulted in no change. These accounts should be updated to show closed included in bankruptcy.
Consumer complaint received 2015-05-04
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CURO Intermediate Holdings (OR)

The lender or merchant, Rapid Cash or Speedy Cash, obtained and fraudulently charged my debit card without my authorization on an outstanding balance from 2007 in the amount of {$800.00}. This transaction was not authorized by me and the statute of limitations of six ( 6 ) years has been exceeded in the state of oregon. I have contacted the merchant XXXX, and XXXX times they have been uncooperative and refusing to return my monies back to me. I have disputed the transaction with my bank and have filed a police report as I feel that the merchant has commited a crime. I 've also reported the merchant to Oregon District Attorney, Consumer Protection Agency and the Attorney General of their fraudulent activity and in attempts to get my monies returned to me. This unauthorized transaction took all of my paycheck that was also direct deposited on XXXX/XXXX/15, leaving me with literally no monies at all for the next two weeks, most importantly basics like living expenses ( i.e. food, transportation expenses, necessities, needed medication refills such as XXXX, etc ) and for bills that are now going to be past due ( i.e. rent, utilities, car repair, etc ).
Consumer complaint received 2022-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (FL)

I was looking at my Credit profile and noticed a collection that was not mine. I called the collection agency and asked about and from the debt is from the said XXXX XXXX XXXX. So I called XXXX XXXX XXXX and asked if I have missed any payments the said no I'm in good standing. So I called the Credence and I told them that the debt is not mine. But they couldn't help me or hear me out but just wanted to collect. The debt was open XX/XX/2022 padt due XX/XX/2022. For {$280.00}
Consumer complaint received 2021-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Paid off full amount ( with balance transfer ) and after balance and was paid BOA charged me interest fee {$74.00}. I am unemployed from XXXX of 2020 and I am not receiving unemployment either. BOA is creating hardship at the same time when our government is putting huge efforts to help us keep our kids fed. Also BOA released statement on XX/XX/XXXX of 2020 that they will help people during pandemic and dismiss charges like this one. Even with all difficulties we are facing and running broke we still decided to pay this of while we are just buying time and accumulating fees for balance transfers.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (NY)

On XX/XX/XXXX, I was denied for the 3rd time by Apple Card by Goldman Sachs, each time for " already having applied. '' However, I'd never applied before so this seemed odd and I finally decided to call to see why I was receiving this message. 

Upon speaking to the Apple Card Goldman Sachs rep, he couldn't find my name, number, or any personal info on file and didn't understand the denial either. Finally, he decided to check just my SSN by itself in the search and found my SSN attached to a current customer named " XXXX XXXX. '' They gave some info on the person but couldn't give me much but they did say he was born in XXXX and located in NJ ( where I'm from ). They said they couldn't really do anything about it, besides make a note/report this on their end, which they did so they should have history of this. I requested they close the account as fraud but they said they couldn't because they weren't sure if this was a case of a duplicate SSN being given or if this was actually fraud and encouraged me to contact SSN to see if this is a duplicate # ( which they claimed happens ) OR if this was actually fraud. 

I spoke with SS admin yesterday, they searched my SSN and confirmed that this is NOT a duplicate # and that despite what the goldman sachs banker said, duplicate # s are NOT common. He confirmed the only name attached to that # in SS 's system is my name, XXXX XXXX and no one else should have access to it. The SS rep said that this is either a typo from when XXXX XXXX applied OR fraud and to fill out an identity theft report. I filled out an identity theft report on XX/XX/XXXX when I first was informed of all this, just in case. So my report has been in for two months. I called FTC to follow up this past Tuesday, XX/XX/XXXX and ask the status on my report because I can't apply for an apple card until this is resolved. 

They directed me to the consumer trade commission since it is relating to a credit account opened using my SSN. I need you guys to reach out to Apple Card Goldman Sachs or XXXX XXXX born XXXX located in NJ directly, for them to clarify his actual correct SSN, so he can confirm whether he entered my SSN as a typo OR if he continues to lie and say my SSN is his then we know he's engaging in fraud. 

Both SS admin and Goldman Sachs can confirm all of the statements above ( SS can confirm only I have this #, no one else AND Sachs can confirm that XXXX XXXX is using my # on his account, despite it not being his own ). 

This is the only way, Apple Card Goldmans Sachs will close or have him update his account so that I'm finally eligible to apply. On their end, they see it as either a duplicate or fraud so & they can't speak to SS directly to clarify it's not a duplicate ( like I did ), & it seems you guys at the CFPB seem to be the body created to act as in between the bank and SS to confirm identity theft doesn't continue, so please help or let me know who can help.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (NY)

I got these accounts that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft GOLDMAN SACHS BANK USA Account Number : XXXX This is not mine.
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ALLY FINANCIAL INC. (WV)

My car is financed through XXXX  XXXX, my payments have been paid on time, never outside the " grace period '', but Ally continues to call me almost daily, at home, and at work, and sending me collection letters ( by people who don't speak English ), stating my payments are " late '' Per my credit reports, ALL my payments are current, however my credit score has dropped 100 points in the past month! At one time my XXXX report reflected a " late '' payment by ALLY!! 
I am sick and tired of being harassed by these people! 
I have written to them, the XXXX XXXX XXXX, The Attorney General and to yourself in the hope that someone can help me with this awful company! 
I pay my bills on time and take pride in my credit score, there must be some way to stop this company 's harassment.!
Consumer complaint received 2021-07-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

Hello my name is XXXX XXXX I have been re-paying my student loans since I left college in XXXX. I worked for a nonprofit for eight years for the first three years I was not told about the public service loan forgiveness program and in fact I found out about it in by chance of course none of my previous payments were going to work even though I was working at a nonprofit and making payments so I had to go on a special loan program and started making payments towards the public service loan forgiveness. Then at some point Fed loan consolidated my loans I can not tell you why because there seems to be literally no advantage to myself for that ... But at that point it started by public service loan forgiveness program over again I was never made aware of this I have made several complaints about this up the chain at fedloan. Theres no reason why I who have been making payments on a public service loan forgiveness plan would want to jeopardize that I was never told us it was completely missed managed and once it was done it was unable to be fixed. This happened when I started my new job which was also a government non profit in XXXX. I have asked Fed loan to provide me with a recorded conversation in which I was made aware of the terms of the consolidation and its effect on on my pslf or a that I even agreed to consolidation and nothing was ever provided to me. I was always sent to someone specific to the PSLF program for guidance and they should have been aware and made me aware of this. To make things worse after getting married in XXXX I was now having to provide my husbands income only to find out that I now no longer qualify for the PSLF because I make too much money at that point I had been working at nonprofits for eight years.I was not sure where to go with this information or how to file a complaint if anything can be done but I do believe that my situation is unique that I have been completely missed lead and then its unfair.
Consumer complaint received 2019-03-07
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. (CO)

On XX/XX/19, I was trying to use the https : //experian.com web site to determine the status of my credit information ( locked/frozen ) because a creditor wanted access, and I was unable to use their site to see my status, or change it. I couldn't get in to their system, or use " forgot user ID '' process to get in. I called the listed phone number, and the system is totally automated, with no option to speak to a person. I found the experience totally inaccessible.