davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from the Apple store at the XXXXXXXX XXXX  XXXX XXXX, CA. After they ran my excellent credit score, they said I qualified for an Apple Card/Goldman Sachs . This card would allow me to make monthly payments to pay the full {$890.00} without interests. 

My bank records will show that from XX/XX/XXXX to XX/XX/XXXX I made {$990.00} worth of payments. 

XXXX {$160.00} XXXX {$74.00} XXXX {$74.00} XX/XX/XXXX = {$74.00} XXXX {$74.00} XXXX {$74.00} XXXX {$74.00} XXXX {$74.00} XXXX {$120.00} XXXX {$100.00} XXXX {$74.00} For a total of {$990.00} which is {$93.00} over the {$890.00} price, but they want another payment of {$74.00}. 
I have a video of their accounting and it is incorrect. I will attach screenshots if the video is too large to load. The screenshots will prove that Apple Card/Goldman Sachs did not give me full credit for my payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I called the operators from the XXXX XXXX where I made the purchase and 2-3 different operators just kept me on hold for hours .... while pretending to investigate the matter. I recorded at least 3 different conversations. I will try to upload them too.
Consumer complaint received 2020-10-26
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: EQUIFAX, INC. (SC)

There are a significant number of hard inquires on my credit report.

I do not recognize nor authorize these. I have written to the credit bureaus but have not heard back yet.

I demand all hard inquiries by someone attempting to make me a victim of identity theft remove ALL the hard credit inquiries as well as any address other than XXXX XXXX XXXX, XXXX XXXX, Sc XXXX. Some have XXXX but h

ave not removed it despite my request. One company even sent me a letter stating they had researched these credit places - which should all have a freeze on them!!! I have letters from all gf them that the credit line is frozen!!!
Consumer complaint received 2019-11-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (TX)

Chase Auto Finance-Loan # XXXX XXXX XXXX Trust issued a check to Chase Bank Auto Finance XXXX, AZ on XX/XX/2019. Chase Bank claimed the check never arrived. XXXX XXXX issued a stop payment, re-issued a check on XX/XX/XXXX via XXXX XXXX overnight. Chase Auto Finance signed for and received the check on XX/XX/XXXX, XXXX. Called chase auto finance at least 10 times and finally received confirmation the check was found by? department on XX/XX/2019. Chase Auto Finance employee # XXXX said verbally the check would post to the account in 24 to 48 hours. As of today, XX/XX/2019 the check hasn't posted to the account. Called chase auto finance -talked to employee # XXXX who said no the check hasn't posted but will in 10 to 14 days. Chase continues to add late fees to my account, affect my credit report and lastly do a very poor job handling their customers.
Consumer complaint received 2017-12-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

Navient loan ... XXXX XXXX XXXX, XXXX, XXXX ... XXXX XXXX XXXX XXXX wants to be released. 
# XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has submitted paperwork to release co-signer XXXX XXXX XXXX from loan. 
Navient has not responded, in violation of their stated protocol for releasing co-signers two weeks after paperwork is submitted. Why is our son being discriminated against? XXXX XXXX XXXX is retired and needs the peace of mind to be released from XXXX duty. XXXX XXXX XXXX, XXXX is paying loans on time by auto pay on schedule.
Consumer complaint received 2020-10-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (NC)

SunTrust Bank holds the mortgage on my home ( XXXX XXXX XXXX, XXXX, NC XXXX ) During construction of my home I needed extra funds to add another building on my property for my elderly mother. I was given a {$300000.00} deed of trust from Sun Trust ( XX/XX/XXXX ). Upon closing on my property ( XX/XX/XXXX ) The deed pf trust was paid off and rolled into my conventional mortgage. I am in the process of refinancing my home and during the title search it was discovered that the deed of trust was never removed from my home 's title. SunTrust has provided me with the
confirmation that the deed of trust was paid ( Satisfaction of Security Instrument ). Unfortunately it was filed incorectly in XXXX County ( i live in XXXX County, NC ) and tied to my previous home. 
I have tried for over a week to get in touch with someone at Sun Trust who can remove the lien against my home at XXXX XXXX XXXX, but I have been tols that it has to go through the lien research/removal department and that unit can only be contacted via e mail or registered letter. I have sent multiple e mails with the original deed of trust and the satisfaction letter to the lien department e mail and have had no response. I can not refinance my home without this issue being resolved.
Consumer complaint received 2018-07-20
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: EQUIFAX, INC. (PA)

I received an email from XXXX XXXX XXXX confirming that i signed up for their services and purchased XXXX somehwere on the east coast at the XXXX XXXX XXXX store. My identity was stolen, XXXX XXXX XXXX ran twice a hard pull using my social security. I'm curious did XXXX XXXX XXXX perform an identity check before using social security number to run the report. A couple weeks later I received a call from XXXX XXXX XXXX   fraud department saying that they put a fraud alert on " my '' account and said that there will be no hit to my credit score. Well, I checked my credit report and because of they pulled it twice with the difference in 2 days, my credit score went significantly down. I'm just curious, how in the world, XXXX XXXX XXXX did phones financing at the actual location without checking identity. Now I have to report stolen identity and dispute hard pulls and wait for the results because of their poor activities.
Consumer complaint received 2017-09-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: WESTERN CONTROL SERVICES, INC. (CO)

recieved a recorded message on XXXX XXXX 2017 from a XXXX XXXX from Western Control Services stating " this is a call from a debt collector and read the mini-mirana " This communication is a attempt to collect a debt by a debt collector and any nformation obtain will be used for that purpose ''. left a number of XXXX XXXX XXXX i was entertainng some my family and they heard the message. according to the FDCP 805 ( a1 ) Commuincaton in connection with a debt should not be left on a recorder for anyone to hear. only name co name and phone numbr.
Consumer complaint received 2021-09-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have inquiries that are the result of fraudulent activity, they have not been authorized and must be removed. My information was also compromised in the XXXX Data Breach and may have gotten in the wrong hands.
Consumer complaint received 2020-04-23
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. (WI)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2021-09-22
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: EQUIFAX, INC. (FL)

This credit bureau violated my consumer rights under 15 usc 1681b ( a ) ( 2 ) '' no permissible purpose or no written instruction '' I never gave any permission to report such unverifiable and inaccurate accounts. all the disputed accounts are drafted on my letters. I want them to be removed immediately. They failed to delete these after several letters i have sent to them. They failed to verify and update my report the correct way.
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (MI)

I started the application process through Best Buy Citibank online but did not finish or submit the application. When I arrived at the page that requested my authorization to submit the application and give Citibank permission to pull my credit I decided that I did not want to go through with the process and have the hard inquiry on my account. I did not check the boxes for authorization or click the submit button. Instead I closed the browser tab and left to do something else. 

A week later I received a letter stating that my application was being denied due to an inability to verify my address. Which is odd since I pay for the pro version of XXXX and can verify that the address for the home that I own and occupy is present on the reports for all three agencies. 

So...

1. I never gave consent for my credit to be accessed or officially submitted an application.

2. They continued without my consent or submission and pulled my credit info.

3. Their employee responsible for ID verification didn't even do their job correctly.

4. When I called in to ask about it they put me on hold without telling me what was going on and immediately started trying to process the application again without my permission. 

This is absolutely not acceptable. I doubt that I'm the first person they've done this to. It seems like their goal is just to push everything as quickly as possible without telling you what is going on. Very shady tactics.
Consumer complaint received 2017-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

I have made several attempts to rectify this matter with XXXX and Equifax. I have notified them that the XXXX XXXX account do not belong to me. This account was opened as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.
Consumer complaint received 2021-09-22
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 — Was not notified of investigation status or results
Company: Santander Consumer USA Holdings Inc. (NJ)

XX/XX/XXXX took out leased vehicle from XXXX XXXX XXXX in NJ, financed thru XXXX XXXX ( aka Santander Bank ). my monthly payments were XXXX from my Bank. XX/XX/XXXX had to file Chapter XXXX since Pandemic caused my Bank to close for a few weeks, was not able to pay bills, except by phone which was done for XXXX XXXX, even thru thr XXXX XXXX <NO PAYMENTS WERE EVER MISSED,, All payments to date have been on time, Had signed a reaformation with them. They have deceided NOT TO REPORT my credit payments to any agency. I have called them repeatedly, get some XXXX with an attitude, tough luck we are not going to report to credit agencys, XXXX credit was sent a dispute, never answered, just sugest takinh there Boost service @ {$19.00} per month. Only XXXX has my score low, since I wont take Boost service, XXXX XXXX XXXX have my scores in the mid XXXX, buut dont show XXXX XXXX , only XXXX shows my XXXX XXXX XXXX. My lease Expires in XX/XX/XXXX, this will have been my XXXX lease with XXXX XXXX. Yes I have complaned tothem, but told itd a Bank issue, Santander Bank will not help in any way its a seperate entenity not controled by the Bank. The dealer was informed & could do nothing, was told by dealer get a Lawyer, unfortunately my layer has pass away due to Covid dont know where to go from here
Consumer complaint received 2020-10-26
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: Experian Information Solutions Inc. (NJ)

I looked on my XXXX XXXX and it told me i had a collection i had never seen before from Connecticut. When i Disputed With Experian they told me that it came back as mine when i asked them to verify the information they refused and told me they did not have to dispute my case over again. 

please help
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CASHCALL, INC. (CA)

On XX/XX/2020, upon review of my XXXX  credit report it noticed that CashCall was incorrectly furnishing data to the CRA. My direct action was to dispute the information, as it was not correct ; CashCall 's response was to add to 30 day lates to my credit report which is inaccurate. 

This is an illegal loan, and CashCall was repaid all monies borrowed. I would like this agency to remove all credit reporting from my credit report as they are in violation of Fair Credit Reporting practices.
Consumer complaint received 2017-11-09
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. (NY)

I closed an account with Bank XXXX XXXX and it 's been inaccurately reporting as closed by credit XXXX when I disputed it with credit bureau they did n't correct it even when I sent them proof as Bank XXXX XXXX sent me a letter clearly stating that I requested to close it
Consumer complaint received 2020-10-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK (AL)

Discover Personal loans has me listed as being in default of a personal loan that was opened fraudulently and I did not apply for. 

It is a case of Identity Theft and I have never even lived at the address I'm which I supposedly applied. 

I would like Discover to provide me with ANY application for this loan in MY XXXX with a verified bank account in my name that could be linked to me.
Consumer complaint received 2019-08-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Armed Forces Loans of Nevada Inc. (CT)

This Company ArmedForcesLoans is practicing unlawful practices that includes …1) Collecting  interest, fees or additional charges on top of the amount owed that is not authorized by the agreement when creating the debt.2) Returning to sender Mail sent on my behalf by credit services Lawyers.3. Refusing to answer disputes so I cant open another4, Refuse to accept my XXXX XXXX XXXX XXXX status that would forgive my loan
Consumer complaint received 2020-12-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Guglielmo and Associates (NV)

Guglielmo & Associates company sent me a letter in XX/XX/2020 stating that I needed to submit a request for validation within 30 days of receiving the letter. Request for validation of the debt was sent to Guglielmo & Associates and XXXX XXXX on XX/XX/2020 and a response was never received. On XX/XX/2020 a summons was left in my driveway stating that I was being sued by the company and the date that the lawsuit was filed on XX/XX/2020 which was 40 days AFTER my validation request was sent however no response was provided which violates my FDCPA rights.
Consumer complaint received 2017-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I own several personal and business cards from American Express. Generally, I am quite satisfied with the level of service and professionalism that the bank provides and we share a mutually beneficial relationship. I spend a lot of money annually between all of my cards and for that I am awarded a mix of cash back, and reward points. Our relationship spans many years. 

This complaint is regarding my reward points. Sometime in XXXX of this year, I tried using some of my points and was unable to do so. It seems that American Express had placed my account under review and during that period the rewards are inaccessible. I was not notified in writing or otherwise, prior to this review being done. I was not warned. As far back as I can remember I have always been notified of any changes done to my account. This would be the first time that this was not done. 

I have called in quite a few times regarding this, and each time I am told something else. A request to have this concern escalated and resolved was placed, with a promise of a call back or response within 5 business day, but I never heard back.

Most agents do not seem to understand what is going on, and no one can provide me with an explanation. As of today, it seems that my account is still under review.

The most that one agent was able to advise me was that the review is due to some minor refunds I made on my business card. I do n't understand how that may be related to this issue. Another agent advised me that it may take 6-8 weeks from the initial date to hear back, while another told me it could take up to 10-12 weeks. Each agent advised me of a different start date as well so that the completion date varied. I was also told I would receive a call or letter, but none has been received to date. 

I requested to speak with the individual or department handling my account so that this matter could be resolved once and for all. No one was able to provide me with a contact number or name, and there was n't an option to be transferred to them by the agent answering my call.
Consumer complaint received 2017-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I never attended XXXX and XXXX XXXX to collect any debt from the school. I have tried to reach out to the school to have them remove the loans from my file but they are not helping me at all. I dont know what steps i need to take to have this negative information removed from my credit reports. Please help!
Consumer complaint received 2021-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NV)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting