davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-29
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. (LA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my consumer 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 an account without my written instructions. XXXX XXXX XXXX XXXX has also violated my consumer rights pursuant to The Gramm-Leach-Bliley Act which limits when a financial institution may disclose a consumer 's nonpublic personal information to nonaffiliated third parties.
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (TX)

I Purchased jewelry via a 12mo. Promotional Plan offered by Iddeal Card ( Comenity Bank ) on XX/XX/XXXX. The plan stated that I had 12 months to pay the balance. If the balance wasn't paid by XX/XX/XXXX, I would be charged interest. I followed the plan, however the plan expired prior to my last payment. I was immediately charged {$520.00} interest on a {$240.00} balance. The promotional plan did not state that I would be charged interest on the original balance - {$2900.00}. I understood that I would be charged interest ( as with all other credit cards ) on the current balance. I discovered this issue on XX/XX/XXXX, contacted customer service the same day and was told that there was nothing they could do. The plan is intentionally vague. I have no issues about paying the {$240.00} I legitimately owe. I take issue with the excessive interest charge. I have credit cards with other companies and have never been charged over 100 % interest. 

Note : The statement shows 29.99 % APR. Balance Subject to Interest Rate : {$240.00}. Interested Charge : {$520.00}.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

I have contacted the credit bureaus in regards to this incorrect reporting on several occasions. The incorrect reporting has cost me several financial opportunities due to the incorrect posting. I am asking that you assist me with clearing my credit reports of all the inaccurate reporting on my credit reports.
Consumer complaint received 2021-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank (CA)

By law First Progress has agreed to close my account on XX/XX/2021, withhold {$120.00} from my {$1000.00} security deposit to pay for the amount I have disputed with CFPB recently, refund me the remaining {$870.00} from my {$1000.00} security deposit, as indicated in their XX/XX/2021 statement, but within a recent XXXX complaint filed against them, there in this XXXX  Complaint and CFPB above referenced Complaint it was proven that they have rebilled the {$120.00}, after the above withholding payment of {$120.00}, which has evidently been ignored and discounted as with the refunded {$870.00} in closure agreement, proven with the following statements resulting in the XX/XX/2021 Statement balance due of {$390.00}. 
The above First Progress withholding & rebilling {$120.00} contradictions and refunding {$870.00} & thereafter billing {$390.00} contradictions, after XXXX balance closure agreement statement dated XX/XX/2021, and refusing to report a XXXX balance to all 3 Credit Bureaus proves, as evidenced above, the guilt of " false and deceptive business practices by First Progress ''!
Consumer complaint received 2024-10-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (IL)

In 2016 I fell behind in my mortgage due to decreased work hours. Once my hours increased I applied for a modification and I have been applying for and been denied up until now. I have paid over {$50000.00} in legal fees basically begging this company to reset my loan and allow me to pay them. XXXX that could have gone to my loan. After fighting in and out of court over this matter for 8 years the arrearage has grown to way more than I can pay to reinstate my loan and they are going to auction my home. However if they had allowed me to modify my loan the arrearage would not be so great. They keep denying me saying they can not reduce the loan payment even when I told them I no longer need a reduction. I can pay more. They sent me a proposed mortgage modification payment amount, and I responded to them that I can afford to pay that amount. They in turn responded that I could not create my own modification terms. I do not fit their specific modification program. I have been in my home for 21 years and I desire to remain in my home. I would like them to allow me to pay them even if the loan payment has to increase for me to pay the loan. Just stop the foreclosure proceedings and work with me. I would understand foreclosure if I had been unwilling to try to resolve this, but that is not the case. Taking a home from me that I am willing and able to pay for is unfair. Life brings situations that can set a person back, and sometimes it does it repeatedly. To stay afloat despite the numerous situations that I have encountered from income loss, job loss, deaths, and serious illness, and recover financially and still lose the shelter that me and my pets have come to know as home is a travesty.
Consumer complaint received 2022-07-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GOLDMAN SACHS BANK USA (TN)

On XX/XX/2022, I submitted a payment to Apple Card for {$3700.00} to cover XXXX college classes. The classes were cancelled, resulting in a refund to our card. At the time, the card had an approximate balance of {$1100.00} and an installment balance of {$760.00}. I was told by Goldman Sachs representatives that I could request a transfer directly to my checking account for the remainder after the card balance was paid. On XX/XX/2022, the card balance was paid & {$1200.00} was transferred to our bank account. {$760.00} remained as a credit on our card. I was told the installment balance could not be transferred electronically & would be sent by paper check. I never received a check. Multiple, multiple times I was told the money would be sent to me, then told the request was denied. I talked to customer service, supervisors, and managers. Apple Card violated their installment agreement by forcing me to pay the installments off early by holding the refund hostage. Since the card balance was not exactly XXXX, the app would not let me pay anything other than the monthly balance towards my installment. The credit just sat there, unable to be applied & unable to be refunded. All subsequent purchases would then be automatically paid off by the remaining almost {$700.00} credit. Goldman Sachs would not apply the credit to my installment because they said it would violate my installment agreement, but they forced me to pay the balance early by holding my money. I was advised by Goldman management to try closing the card to force the payoff- but closing the card still kept my money in a holding pattern, still making monthly payments for XXXX  years. I had a credit line of {$9500.00} before closing & after reopening it dropped to {$6500.00}. I even considered returning the watch to get my money back, but Goldman could not guarantee the refund would not go back on the came card I had closed as a credit. Apple claims they can not help because they do not manage the Apple Card. Goldman Sachs can lie & mislead with zero accountability - every action they take they feel is justified, even after apologizing for what the were putting me through.
Consumer complaint received 2021-05-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (MD)

In accordance with 1026.7 Periodic statement of 12 CFR Part 1026 ( Regulation Z ), the creditor shall mail or deliver a periodic statement as required by 1026.7 for each billing cycle at the end of which an account has a debit or credit balance of more than {$1.00} or on which a finance charge has been imposed. A periodic statement need not be sent for an account if the creditor deems it uncollectible, if delinquency collection proceedings have been instituted, if the creditor has charged off the account in accordance with loan-loss provisions and will not charge any additional fees or interest on the account, or if furnishing the statement would violate Federal law. 
Wells Fargo formally Wells Fargo Dealer Services has knowingly failed to send me, the consumer a statement in approaching nearly two years on a current auto loan. I have filed numerous complaints with Wells Fargo at XXXX, inclusive of complaints with the office of the president. The issue fails to be corrected, to date, yet I continue to receive generic emails. In my attempt to have the issue corrected, I have spoken with over twenty-six ( 26 ) different representatives and the issue has never been corrected. 
For the above stated reason, I hereby dispute all charges, fees, interest and asserted monies due commencing from XX/XX/2019 to current due to Wells Fargos knowing violation citing federal violation of 12 CFR Part 1026 ( Regulation Z ) and Maryland State law. Wells Fargo is billing, collecting and reporting on consumers credit without furnishing the periodic statements to consumers. I assert I have been charged money, interest, fees and assessments that are undue to the continued frivolous behaviors. I have attempted on numerous occasions to have this matter corrected and Wells Fargo has failed to correct the issue. 
With that stated, I request immediate enforcement and correction thereof by this agency.
Consumer complaint received 2022-06-28
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. (MO)

In accordance with the Fair Credit Reporting Act XXXX, Account # 539176XXXXXXXXXX, 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 an account without my written instructions.
Consumer complaint received 2022-07-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (LA)

Paypal put limitation and holds on my account and then I could not get straight answer from them would hangup and end calls here is the reference number XXXX and statement they have on my account You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 

Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 

Reference ID : XXXX
Consumer complaint received 2020-07-14
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. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX Company Inquiries : XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-17
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. (MI)

The credit bureau stated that my account was properly investigated but how is that possible if the following items are all inaccurate : the high balance amount date of last activity date reported date opened date closed creditor type account status payment status last payment term length the creditor remarks are also inaacurate This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 section 602 A which states that I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-05-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX sent numerous of factual disputes on XXXX XXXX XXXX including screen shots of inaccurate information being reported on my credit report including different high credit section and the comment section .Experian and XXXX  keep reporting my information as updated with the same errors.
Consumer complaint received 2020-07-14
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. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX Company Inquiries : XXXX XXXXXXXX  XXXX XXXX
Consumer complaint received 2021-11-23
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Idaho Housing And Finance Association (TX)

I had spoken with this company due to an issue that they still have an issue with communication. XXXX of their managers was having the stop to report to credit done this man 's name was XXXX he stated that he had them stop from reporting and that he would have this done for XXXX days. Literally days later as we are trying to refinance this away from this place late hits keeping us from being able to get this lower rate locked in. I reached out to the company and no response and have used the CFPB XXXX other times with this same complaint. 

I then reached out to them again and they acknowledge that they said it would be XXXX days and that all that I can do is dispute the claim taking that much longer, that information was given by XXXX when I declined to dispute their issue that they should be correcting. i also sent an email to XXXX XXXX XXXX who is the XXXX of this company along with XXXX and received no response from either. I have sent XXXX Emails to both of them and have never received a response from anyone.
Consumer complaint received 2021-11-23
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. (GA)

Hello I was looking at my credit to see if I can go start looking for a new home. I see some accounts on my credit that I honestly dont know anything about. I hope that you all can help me with this. You all help XXXX of my friends that this also happened to. I was told to file and compliant with the FTC and I did. I doing this on my own behalf and need some help. Im asking for you all to remove the accounts off my credit XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-18
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. (MN)

XXXX XXXX is showing a credit acrd as still deliquent and having late payments. I have been in a payment plan and the account will be paid off in XXXX. This is not reflected in my credit reports.
Consumer complaint received 2022-07-18
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: CITIBANK, N.A. (CA)

I made a purchase on XX/XX/2022 at Home Depot for a refrigerator for {$4100.00}, but included the incorrect delivery address. I called Home Depot to change it, but they said it couldn't be changed. It was suggested to cancel the order and place a new one with the correct delivery address. I wanted to used my Home Depot Credit Card to get 0 % interest for 12 months. Since the first transaction was showing pending and my credit limit was {$5000.00}, I wasn't able to make the second purchase without calling the credit card company to cancel the pending charge. I did this the same day, XX/XX/2022 and then made a subsequent purchase for {$410000.00} on the same day, XX/XX/2022 with my Home Depot Credit Card. Then a few days later, the initial charge went through on my credit card and put my over my credit limit. I called the credit card company and tried to correct the situation. They suggested calling Home Depot to cancel the transaction. I called Home Depot. They said to call the Credit Card Company. I called back to the Credit Card Company to file a Dispute. I filed the dispute and have a letter to say the dispute is resolved, however I have not been credited the {$4100.00} to my account and my credit report has shown me over my credit limit and it is impacting my credit score.
Consumer complaint received 2022-05-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC (VA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Cavalry Portfolio Services LLC, for committing identity theft. I have never given Cavalry Portfolio Services LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with Cavalry Portfolio Services LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Cavalry Portfolio Services LLC any right to collect on this alleged debt.

I have never received any documentation requesting validation from Cavalry Portfolio Services LLC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Cavalry Portfolio Services LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Cavalry Portfolio Services LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Cavalry Portfolio Services LLC, continues its collection efforts, I will file for litigation for actual damages caused and Cavalry Portfolio Services LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. 

Your prompt attention and response are both requested and required.
Consumer complaint received 2021-04-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MoneyLion Inc. (DE)

On XX/XX/2021 at XXXX XXXX I received the following email : Hello, We have closed your XXXX account per the Demand Deposit Account Agreement. This account is not eligible to be reopened. 
We will attempt to return the funds in your account to the originator. Please contact the originator if you require access to these funds, as MoneyLion Customer Care is unable to redirect these funds for you. If the funds cant be returned to the originator, they will be sent to your state of residence upon reaching dormancy per your states laws, which varies depending on the state and can take up to 3-5 years.

Respectfully, MoneyLion Support XXXX demand deposit account provided by, and MoneyLion Debit Mastercard issued by, XXXX, XXXX XXXX, Member FDIC. XXXX is a service mark of MoneyLion, which offers the XXXX Account among its suite of financial products and services. Mastercard is a registered trademark, and the circle 's design is a trademark of Mastercard International. Funds are FDIC insured, subject to applicable limitations and restrictions, when we receive the funds deposited to your account. 


I called customer service and was told that there was no update on my account and that no information could be given regarding how or when I will receive back the {$1800.00} that was in my account at the time of closing. I was not informed prior to this that my account would be closed, nor was I given the opportunity to withdraw money from my account prior to closing. I was also given no reason why the account was closed and no means to retrieving my money from the account.