davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-21
Product: Credit card or prepaid card — Store credit 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 (CA)

On XX/XX/XXXX, I purchased an XXXX XXXX XXXX XXXX XXXX XXXX from XXXX ( direct from XXXX ). I paid using my Apple Card and put the phone on an interest-free installment. The toal amount I paid was {$87.00} for taxes and fees plus the first installment. I agreed to be billed {$22.00} for 24-months for the remaining cost of the phone. XXXX shipped me a phone and that phone was lost in transit and never received. XXXX  opened an investigation and never found the phone, they think it was lost in XXXX. I contacted XXXX and they offered to send a replacement and they did. I received the replacement on XX/XX/XXXX and it actually arrived broken. There were purple lines on the screen and I returned it on XX/XX/XXXX to XXXX. They confirmed it was received and refused to issue me another replacement phone because of the holiday rush. So, I cancelled the order and requested a refund. After a full month, XXXX management finally calls me and issues a full refund. The problem is that they issued a full refund for {$1000.00}, not the {$87.00} that I paid and did NOT close my installment plan as they promised they would. I contacted XXXX again in XX/XX/XXXX and asked them to fix the issue and to close my installment plan, as I only paid {$87.00}. The {$1000.00} that they refunded I did receive, but it applied toward the balance I already had on my Apple Card, not my installment. The installment is still active and the manager I spoke to at XXXX Senior Management, named XXXX, said that XXXX could not close my installment and they did not care about fixing the issue on my credit card. XXXX told me that XXXX couldn't do anything further and hung up on me. She wouldn't tell me anything else except that she was " XXXX, a manager with XXXX. ''
Consumer complaint received 2023-06-01
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.A 1681 section 602 states i have the right to privacy. 15 U.S.A 1681 section 604 A Section 2 : It also states A consumer reporting agency can not furnish account without my written instructions. 15 U.S.A 1681c. ( a ) ( 5 ) Section States : no consumer agency may make any consumer reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.A 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-03
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. (WA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXXXXXX 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 XXXXXXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WI)

Discharged Chapter XXXX reported XX/XX/XXXX - I have disputed this as the record should have been removed after 7 years. It has not been removed. It is currently affecting my credit score and ability to rebuild my credit score. 

XXXX Dept of Education Balance {$7200.00} Reports 5 late  payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$4000.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$1900.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$3900.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$9300.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX XXXX Credit Card Reports late payment XX/XX/XXXX This payment was covered under payment protection which is a paid for service on my account and covered the payment for the month. 

XXXX XXXX Credit Card Reports late payment XX/XX/XXXX This payment was covered under payment protection which is a paid for service on my account and covered the payment for the month.
Consumer complaint received 2020-07-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

Hello, I appreciate your response I am now going to provide my monthly statements for the month of XXXX and XXXX indicating that I in fact made purchases starting in XXXX Ive only had one account since XXXX of this year. The company coinbase has had system failure/outages a few times this year of 2020 during which my portfolio was effected but not to my doing.
Consumer complaint received 2024-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I received a letter from XXXX XXXX XXXX XXXX around XXXX XX/XX/year>. I contacted them on XXXX XX/XX/year> to seize and desist and to stop contacting me because I have never transacted any business with the company. I want the company to stop contacting me.
Consumer complaint received 2020-05-15
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (GA)

I had an account put into collections by XXXX. ERC is the company that collections account was sold off to. To date they have sent only one letter in the mail. I responded to the letter within 1 week of  receiving the letter. They have been harassing my phone line, calling VOIP, using spoof numbers in my area and when I answer they hang up directly. My phone number is not a toy to be played with as I conduct business on this line. I've set up payment arrangements and have spoken to multiple people about removing my phone number from their registry and they still continue to call me. I've submitted forms online and nothing happens. I've called them back every single time they call me which is every day and tell them to remove me from the registry. All the way up until the day of this complaint and a payment plan HAS ALREADY BEEN ARRANGED.
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN PACIFIC MORTGAGE (HI)

I took mortgage forbearance in accordance with the CARES act beginning in XXXX of XXXX with American Pacific Mortgage. The account was in forbearance until they sold the loan to XXXX XXXX  in XXXX of XXXX. Mine and my wife 's credit report now show a 120 day delinquency from American Pacific Mortgage even though our account with them is closed. 

I have called and emailed American Pacific Mortgage about the issue and they say that the account was in forbearance and that they never reported the account as delinquent but my credit score and report show otherwise so I am now unable to get another mortgage.
Consumer complaint received 2020-07-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Brightfunders, LLC (TN)

I filled out a form on XXXX, inquiring about HELOC rates. I was matched with a lender who called to let me know they could also refinance our existing mortgage to get rid of PMI. The interest rate they initially gave was higher ( 4.25 % ) than our current rate ( 3.875 % ) so we agreed to pay a point ( {$3700.00} ) to get the same interest rate. The closing costs came in at {$13000.00}, with {$2800.00} for origination fees and {$1600.00} in underwriting fees. Based on our high credit score ( XXXX ), these fees are very high for a refinance ... we didn't even pay that much when we originally closed on the home four months ago. 

I received documents in the mail a few days ago for a RESPA - " Revision requested by the Consumer ; Interest Rate Dependent Charges ( rate lock ) ''. The new closing costs fees rose to  {$21000.00} with {$10000.00} being for 2.75 % points that I never requested. I reached out to the lender, who said it was a mistake and apologized. Had I never asked about it, they may have tried to move forward with those astronomical closing fees. 

We started to feel as though the fees we were being charged were extremely high, so we sought out a local lender who could offer a second opinion and rate. We were able to secure a 3 % APR refinance loan and are only paying $ XXXX in closing costs with {$320.00} in underwriting and {$350.00} in processing fees. We decided to go this route, but needed to transfer the appraisal that we had paid for with the original lender. 

When we asked for the appraisal to be transferred, the original lender said it was not possible and he did not have access to this. When pressed further, he claimed that it was " not required. You'll be fine. Best of luck! ". Obviously, he is upset that we cancelled our loan with his company and we now have to have the appraiser come back out for a reinspect fee. 

The original lender was pleasant to work with until we cancelled the loan request. Once he knew we were using a different lender, he offered to match their rate/fees ... why wasn't he able to do that in the first place? Additionally, the fees this lender is charging is suspiciously high, given the record low mortgage interest rates we are experiencing.
Consumer complaint received 2018-11-25
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. (TN)

I have mailed all three credit bureaus about this account reporting incomplete and inaccurate information on my credit report. Dates ( XX/XX/XXXX, and XX/XX/XXXX ) and its still getting verified without any legitimate proof of verification. I would like this account removed it is hurting my credit, Im not sure how this account remains and it is not mines, I have provided my driver license and mail stating my address and name. Account number XXXX, also I have received repsonses saying verified or updated, meaning this account was being reported inaccurate.
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TX)

I've been trying to call through to make a payment for over a month now. Apparently there is an outrage with their phone systems that's been ongoing for weeks. I don't have an online account set up for payments and I can not create one because I don't have my account number. I've been trying to call every number I can possibly find to obtain that info I need. Their hold times are ridiculous just to get hung up on after 30+ minutes. I'm reading other complaints of people who can not get into their online payment portals. There's other complaints of fraudulent charges, late fees and negative credit reporting. I have great credit and want to keep it that way. Their lack of communication with their customers is completely unacceptable.
Consumer complaint received 2022-07-28
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. (FL)

I sent a letter off on XX/XX/2022 and also tried to dispute it via website. Here is the tracking # 's XXXX, & XXXX remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681 I have the right to privacy. Also according to 15 U.S.C 6802. No financial institution is not allowed to share my information to a third party. 

These are clear violations of my federally protected consumer rights. 

I also completed completed a identity theft.gov complaint. Confirmation # XXXX.
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

This letter is a formal complaint that Nelnet Student Loan ( Nelnet ) is reporting inaccurate credit information. I am very displeased and highly distraught to find that Nelnet has not requested the removal of late payment information in my credit profile due to its damaging effects on my good credit standing. After receiving a forbearance that was backdated to cover the dates my payments were originally considered late, Nelnet has refused to update my credit reports, all the while instituting a new policy which includes the removal of negative credit reporting for student loan accounts that received back-dated forbearance 's and deferment 's after XX/XX/XXXX. Since the late payments were posted to my credit report on XX/XX/XXXX and XX/XX/XXXX, the company refuses to remove these late payments from my credit report. I have requested numerous times for the removal of these late payments from my credit report through written mail, email, and repeated telephone calls to both Nelnet and the Office of the Ombudsman explaining that I have worked extremely hard to maintain my credit in good standing and I do not feel these late payments truly reflect my credit worthiness. During my approved forbearance period, no payments were due and therefore no payments could be considered late. However, because of the inaccuracies on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.
Consumer complaint received 2020-07-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MD)

This is a follow up to complaint XXXX. I do not accept Wells Fargo 's Response. They have not adequately addressed of my concern, and I will not stop lodging complaints until I am satisfied. Also, I did not receive any voice mail messages from anyone at Wells Fargo that someone was trying to reach me. So I don't feel adequate effort was made to reach me. Again, my main complaint is that Wells Fargo cheated me out of my loan my closing the loan without my approval. This was after dragging me on for 8 months of poor service with a poorly trained employee. The entire point of my argument is that I specifically asked XXXX XXXX to keep the loan open while I checked on other resources, and he agreed. Despite being told that the call was being recorded at the time, you have told me that you do not have a copy of the call. Which honestly, I do not believe at this point. Now that I have asked to get on a call with XXXX XXXX and Wells Fargo Management ( I didn't specifically request the Board of Directors, I just want witnesses ) you're telling me that you won't set it up. These seem to me to be obvious signs of a company with a problematic history of cheating customers trying to hide more malfeasance. This also makes it clear to me that you know I am right about Wells Fargo cancelling my loan when I specifically requested it to remain open. As a result, you cheated me out of my chance at the loan, you made me waste hundreds of dollars on fees that I want returned and I want a settlement for all of your obfuscation and attempts to get rid of me to hide the error. XXXX XXXX knows the truth and you are preventing the truth from coming out. I am not satisfied and still request a phone call with XXXX XXXX and management witnesses. thank you
Consumer complaint received 2022-07-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (CA)

I am a XXXX XXXX  XXXX veteran. Medicare  is my primary care. I am also covered by VA and if out of area XXXX. I went to XXXX for bloodwork and presented all of my information and cards. Later I received notification that I had a balance. I contacted medicare and they stated that there should be no balance and that the bill had not been properly billed by XXXX. I also called XXXX and they stated that they have never been billed and VA stated the same. Nobody had ever attempted to bill them. I went back to XXXX with this information and they stated they had correctly billed everyone and refused to even try to fix this with my medically insurance providers and that I just owed the money. I asked for an itemized bill so that I could provide it to Medicare  and to VA and XXXX and I could not get it. I have tried several times to get this. Then the bill was sent to collection and I asked Credit Collection ( the 3rd party ) for the same thing and I have never been able to get an itemized bill or evidence of exactly what I was charged for. They just continued to report exactly as they have from day one. The dates are wrong. This is a violation of FCRA Section 623, FCRA Section 611 Part ( A ) ( 1 ), FCRA Section 605 ( c ), FDCPA Section 807 ( 8 ), FDCPA Section 809 ( b ) FTC opinion letter Cass from LeFevre
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Richland Bureau of Credits Medical Service Bureau Inc. (OH)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-08-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

1. The mortgage company did not disclose to me that PMI was for the life of the loan And I purchased the house. I was told that when my ratio got down to 80 % I could have the PMI removed. Now theyre telling me that the PMI is for the life of the loan. 
2. Every year, when its time to pay my flood insurance and home insurance the mortgage company makes an incompetent mistake. Ive been promised over and over that they will fix a mistake and never make it again, but the mistakes reappear every year. They either pay the flood insurance twice and do not pay the home insurance. Or they pay the home insurance twice and do not pay the flood insurance. This year they paid the home insurance and pay the flood insurance, but then send a second check for the flood payment which was returned to me by the insurance company. Their incompetence is incredibly frustrating. I do not have time to double check them constantly.They should handle things correctly and in a timely manner.
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

Today, I spoke with a XXXX at Citi/Sears about my account. She said my interest rate will NOW begin to tack on as of XX/XX/2020 and fees. I explained that my fixed income as a retired, XXXX XXXX XXXX was NOW even more limited with medical and RX bills. She didn't care and said the fees will start and will not delay or defer the fees. With COVID still around for an unknown time, I wanted to defer fees, late fees and payments for a set period until we get past the COVID issues. She was unapologetic and uncooperative. I asked for a supervisor and XXXX put me on hold for 14 minutes per my cell screen and upon return, she said nothing more could be done. I asked for the superior 's name today XX/XX/XXXX at XXXX XXXX and XXXX said, " I don't have her name '' this is ridiculous and abusive. I want to file a complaint with the other complainants against CITI ... ... 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX
Consumer complaint received 2022-07-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (WA)

On XX/XX/2022 I received a signed contract from XXXX ( XXXX ) for services I would provide, in part paid for with a {$1000.00} non-refundable deposit. I sent an invoice through PayPal for that deposit, the invoice clearly stating it was non-refundable. That invoice was paid through PayPal on XX/XX/XXXX. Two days later, with no reason given, I was texted the words that the contract was null and void, and the money was going to be demanded back. Shortly after, I received a message from PayPal that I owe them {$1000.00} and a {$15.00} dollar fee. I contacted PayPal, they provided the information that the payment was made through a charge card with XXXX XXXX bank. I disputed the charge-back, providing objective evidence of the non-refundable nature of the deposit. I tried to resolve this with PayPal, they said it is an external issue with XXXX XXXX. XXXX XXXX says it is an issue with PayPal. Neither has any interest in resolving this. In the meantime, PayPal has threatened to send the information to a collection company. No lawyer will take on a big lawsuit for {$1000.00}. Can you help?