davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (PA)

This complaint relates to both the Apple Card and the XXXX XXXX card from XXXX. Specifically, it is too difficult to reconcile charges on the card issuer 's statement with what was actually purchased with the card. 

The XXXX card lists purchases from XXXX as " XXXX '' and Apple similarly lists purchases from Apply as from " Apple.com '' Like many people, I make purchases from both Apple ( ongoing Apple Store content subscription items like the Washington Post or XXXX ) and XXXX ( virtually everything ). In order to reconcile the statements with my charges, I need to go into the XXXX or Apple web site and try to match each charge on the statement with something I ordered. And I can only do this by amount of each charge or an order number, since what I purchased is usually not even hinted at on the statement. 

Sometimes this is impossible, because XXXX sometimes does not record a purchase in its order listing ( e.g. the annual XXXX fee ) and XXXX inexplicably omits items on the statement from the transaction listing in the Apple Card app. For example, on my last statement, a purchase of a charger from the XXXX store appeared on the statement, but not in the transactions listed on the Apple Card app. 

Finally, while XXXX has a search feature on the " Orders '' page of its web site, when I use it the search feature tells me only that there are some matching entries to the order number, but won't tell me what they are. So either the web site has a problem or the search feature only works on certain unidentified browsers. 

This whole process is simply too opaque and time-consuming to the consumer if one simply wants to make sure all the charges are valid. Thank you.
Consumer complaint received 2021-06-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NC)

There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : Midland Credit Management continues to call and harass me after I have ask them several times to stop calling in violation of 15 USC. 1692 ( d ) 5. 
Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2022-07-14
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CREDIT WORLD SERVICES, INC. (CA)

I checked my credit score in which I now see a debt of {$850.00} from a company named XXXX XXXX XXXX which I have never heard of. Indicates this was opened as of XX/XX/2021. I have no idea who this is. Plus shows the debt collector is CREDIT WORLD SERVICE. I have not received anything in the mail indicating details of this so called debt. And I am getting strange phone calls from folks that do not say my name when leaving messages and do not leave phone numbers either. Please assist as to how this can be removed from my credit ; I do not know who XXXX XXXX XXXX is.
Consumer complaint received 2021-03-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against NATIONAL CREDIT ADJUST. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2023-02-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc. (TN)

On XX/XX/XXXX, I linked my bank to Crypto.com and purchased {$100.00} in Bitcoin. I chose the instant transfer method, which appeared to let me access my cryptocurrency immediately. While I was able to purchase {$100.00} in Bitcoin, it was essentially locked in my account and is still locked in my account as of XX/XX/XXXX. That is a total of 12 days, or 8 business days. It was not clearly visible to me prior to making the purchase that the Bitcoin I purchased would not be available to me to transfer to an external wallet. It was deceptive in the name of the type of transfer and in the way that the business is holding my money hostage, essentially. 

I made further purchases with my debit card, which allowed me to access my bitcoin instantly. While the original {$100.00} was still frozen, I could transfer the debit card purchased bitcoin. I made multiple debit card purchases without issue. Today, XX/XX/XXXX, I purchased {$150.00} in Bitcoin and initiated a transfer to an external wallet. Minutes after, I received an email letting me know that my account was disabled while they verify that I own the card I'm using on their site. What's interesting is that the purchased bitcoin is still in my account, it is just frozen with the original {$100.00}, meaning Crypto.com is holding {$250.00} of my money and will not let me move it. Representatives for Crypto.com have been extremely incompetent and unhelpful throughout the process. I have verified my identity with Crypto.com twice, they have approved my verification documents and there is no issue there.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

So basically the week of XX/XX/21 I called XXXX and asked how can I get late payments from student loans off of my credit report. I was told by a rep that I could write a goodwill letter to be considered. It was after a letter I recieved XX/XX/21 they told me that they don't accept goodwill letters for removing late payments at all. This pretty much means I put in time and effort to write a letter to them that had no meaning. My argument was why would a rep tell me to write a goodwill letter when in fact I have no chance at getting them removed whatsoever. I felt like this was extremely deceptive and/or the rep didn't know their actual policies. Maybe it was just to get me off the phone but I feel as though if a rep from a government agency doesn't know their policies, this is extremely negligent on XXXX XXXX part because they service billions of dollars worth of loans nationwide. I proceeded to email their top officers ( including their XXXX & XXXX XXXX to address this issue and it still wasn't resolved even though the rep that reached out to me ( XXXX XXXX XXXX and confirmed that the rep didn't " clarify '' they can't accept goodwill letters. This is a problem because as a consumer I have the right to know what and what isn't accepted by their company. Before I wrote the letter, the rep should have told me they letter would mean nothing. 

After that didn't work I disputed my student loans and 1 collection entirely because the information across all three bureaus don't match up correctly one hundred percent. The date opened, date reported, balance owed, last payment, and date of last active are all different across all three bureaus. I check my credit report religiously and disputed these discrepancies with all three bureaus and they have failed to remove them due to these inaccuracies. I've done a lot of research and I feel as though I'm doing everything right and they are failing to remove these inaccuracies. 

I and currently at XXXX, XXXX, and XXXX respectively. These inaccuracies on my credit report are preventing me from doing so many things its ridiculous. I'm asking you all to fully investigate this matter and have all data that is inaccurately reported removed immediately.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

So basically the week of XX/XX/21 I called XXXX and asked how can I get late payments from student loans off of my credit report. I was told by a rep that I could write a goodwill letter to be considered. It was after a letter I recieved XX/XX/21 they told me that they don't accept goodwill letters for removing late payments at all. This pretty much means I put in time and effort to write a letter to them that had no meaning. My argument was why would a rep tell me to write a goodwill letter when in fact I have no chance at getting them removed whatsoever. I felt like this was extremely deceptive and/or the rep didn't know their actual policies. Maybe it was just to get me off the phone but I feel as though if a rep from a government agency doesn't know their policies, this is extremely negligent on XXXX  ' part because they service billions of dollars worth of loans nationwide. I proceeded to email their top officers ( including their CEO & CFO ) to address this issue and it still wasn't resolved even though the rep that reached out to me ( XXXX XXXX ) and confirmed that the rep didn't " clarify '' they can't accept goodwill letters. This is a problem because as a consumer I have the right to know what and what isn't accepted by their company. Before I wrote the letter, the rep should have told me they letter would mean nothing. 

After that didn't work I disputed my student loans and 1 collection entirely because the information across all three bureaus don't match up correctly XXXX XXXX percent. The date opened, date reported, balance owed, last payment, and date of last active are all different across all three bureaus. I check my credit report religiously and disputed these discrepancies with all three bureaus and they have failed to remove them due to these inaccuracies. I've done a lot of research and I feel as though I'm doing everything right and they are failing to remove these inaccuracies. 

I and currently at XXXX, XXXX, and XXXX respectively. These inaccuracies on my credit report are preventing me from doing so many things its ridiculous. I'm asking you all to fully investigate this matter and have all data that is inaccurately reported removed immediately.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

So basically the week of XX/XX/21 I called XXXX and asked how can I get late payments from student loans off of my credit report. I was told by a rep that I could write a goodwill letter to be considered. It was after a letter I recieved XX/XX/21 they told me that they don't accept goodwill letters for removing late payments at all. This pretty much means I put in time and effort to write a letter to them that had no meaning. My argument was why would a rep tell me to write a goodwill letter when in fact I have no chance at getting them removed whatsoever. I felt like this was extremely deceptive and/or the rep didn't know their actual policies. Maybe it was just to get me off the phone but I feel as though if a rep from a government agency doesn't know their policies, this is extremely negligent on XXXX  ' part because they service billions of dollars worth of loans nationwide. I proceeded to email their top officers ( including their CEO & CFO ) to address this issue and it still wasn't resolved even though the rep that reached out to me ( XXXX XXXX ) and confirmed that the rep didn't " clarify '' they can't accept goodwill letters. This is a problem because as a consumer I have the right to know what and what isn't accepted by their company. Before I wrote the letter, the rep should have told me they letter would mean nothing. 

After that didn't work I disputed my student loans and 1 collection entirely because the information across all three bureaus don't match up correctly XXXX XXXX percent. The date opened, date reported, balance owed, last payment, and date of last active are all different across all three bureaus. I check my credit report religiously and disputed these discrepancies with all three bureaus and they have failed to remove them due to these inaccuracies. I've done a lot of research and I feel as though I'm doing everything right and they are failing to remove these inaccuracies. 

I and currently at XXXX, XXXX, and XXXX respectively. These inaccuracies on my credit report are preventing me from doing so many things its ridiculous. I'm asking you all to fully investigate this matter and have all data that is inaccurately reported removed immediately.
Consumer complaint received 2024-10-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY (VA)

Nordstrom Credit Services ( TD Bank ) XXXX XXXX Balance XXXX Charge-off Date : XX/XX/XXXX Target Credit ( TD Bank ) Account XXXX XXXX XXXX XXXX  XXXX Balance XXXX Charge-Off Date : XX/XX/XXXX I have tried several times to contact the related creditor who flip flops between the debt department and accounts payable for the above accounts. I have requested copies of my XXXX  1099 C forms as debt was reported at as loss and/or charged off. The company is using unfair practices attempting to collect on a debt that was to my understanding written off. I either would like a resolution of removal of charge off from my credit report, along with derogatory remarks and/or a copy of 1099C to refile my XXXX  tax return. This will outline loss of employment, which like most Americans I was unable to work during pandemic times as the country was on lock down.
Consumer complaint received 2021-03-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (KS)

On XX/XX/2021 I was filling out information on line to get a pre approval letter from Amerisave mortgage company. Every thing seemed ok until the website asked for our bank user names and passwords. I filled my bank in but quickly changed my password because it did not seem like something that should be asked. then both me and my spouse credit reports were looked at somehow when I was never asked permission and I never gave our social security numbers. After I filled out what they asked for except bank information it said congratulation you have been approved. the next day XX/XX/XXXX I was contacted by an agent. i was instructed to send necessary documents on line to get pre approval letter. At the very end of the process I was informed there was a XXXX dollar non refundable fee to get the letter. I find out later most mortgage companies do not do that. My rate was locked in for 48 days witch gives me little time to find a place because it takes about that long to even close the loan.
Consumer complaint received 2021-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NY)

Fraudulent charges were made on my TD Bank Credit Card. TD Bank alerted me that suspicious charges were being made on my card. The charges were made in XXXX, New York on my credit card. I currently live on XXXX XXXX and have never visited XXXX. While these chargers were being made on my credit card, I was using my debit card on XXXX XXXX. On XX/XX/XXXX the customer service rep assured me that these issues would be resolved and the {$1100.00} worth of fraudulent charges would not be my responsibility. I received a letter in the mail on XX/XX/XXXX that stated that TD banks investigation determined that there was no billing error. The charges are all for establishments that do not align with my spending habits. After talking to numerous TD employees and a supervisor the issue has not been resolved and I am thinking they are going to hold me responsible for charges I did not make. As a long time TD bank customer I am extremely disappointed with how this dispute case has been handled.
Consumer complaint received 2021-10-06
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: ERC (TN)

My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, Debt Declaration Letter, and cease and desist. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX
Consumer complaint received 2021-03-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TN)

XX/XX/XXXX Dear Consumer Financial Protection Bureau, I am writing to document significant issues with my current student loans and request remedy. I did not understand the terms of the loan when I originally took them as a XXXX  student more than 10 years ago. The amount that I owe now is more than four times the original principal, despite the fact that I only completed my education and licensure in the fall. I feel preyed upon and Navient will not offer any remedy, despite multiple attempts to work with them ( email exchange with Navient attached ).

[ I would write a few sentences here about what you knew and what the situation was when you took on the loans ] I took out {$46000.00} in student loans at age XXXX to pay for school expenses including books and tuition. I assumed that there would be some interest, but I didnt understand what a variable rate was and the impact that this purchase would have on my well being and livelihood. 

I am currently a XXXX XXXX XXXX and I have to work five jobs to pay my monthly payment. The interest only payment is approximately {$2100.00}. I have to pay above the interest to make even the slightest dent in my principal. As a result, I work a full-time job Monday through Friday, and four part time jobs including XXXX at two separate universitys and doing XXXX  XXXX  at two separate companies. This is not a sustainable practice, I am often exhausted and unable to properly care for myself and my family, I am also a mother. 

I have reached out to Navient multiple times regard additional payment options. I was denied twice via telephone and once via email for loan refinancing. The person I spoke with was unable to state why I did not meet the requirements for loan refinancing, they stated that they enter my information into the system and are provided with the options. The people I spoke with were also unable to tell me what had to be done in order for me to meet loan refinancing requirements with Navient. Additionally, I contacted Navient and was notified that they are unable to modify or settle any of my loans for a lesser value. 

Principal / Current balance / Variable interest rate XXXX / XXXX / XXXX XXXX / XXXX / XXXX XXXX / XXXX / XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX / XXXX XXXX / XXXX / XXXX Total Principal = XXXX Current Balance = XXXX This student loan experience is overwhelming. I am hopeful that, with your assistance and advocacy, I can have a reasonable monthly payment and pay off the principal I owe rather than extreme interest. 

Respectfully, XXXX XXXX
Consumer complaint received 2021-03-30
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. (FL)

XXXX is claiming I was late 3 or delinquent 3 times on my credit report. XX/XX/2019, XX/XX/2019, and XX/XX/2019. Ive tried several times to get this corrected and prove that I was not delinquent, however when I try to access my statement history for anytime past 3 months, the system doesnt allow me. Ive called in several times regarding this issue and have been transferred to multiple departments, all of whom also cant access this report. Ive disputed this with XXXX, Equifax & XXXX  to provide proof I was late so I can see this information, XXXX  has claimed I was more than 30 days late 3 times and that I hadnt made a payment in the 60 day timeframe, I however have attempted to using my XXXX XXXX  with account # ending in XXXX. Their website rejects the payment as an external source without explanation or notifying me, so I can use their banking services. An executive with the company denies this, which of course is a lie. Ive called in to make payments using external banks and they charge erroneous & unduly fees on the consumer. They claimed to have sent me letters explaining the delinquency, however they sent it to a wrong address that is not on my credit report. They repeatedly refuse to rectify this. Ive emailed XXXX XXXX - CEO and got a response from one  of his executive who claims that this information is accurate and refuses to provide proof or any investigation into the myriad of phone calls Ive had with multiple departments, so I cant access previous statements, get an investigation into the several phone calls and I have his executive saying thats all part of the FCRA and thats why they cant remove it. This information is reflecting negatively on me & my creditworthiness. Its unduly, burdensome, erroneous, misleading, inaccurate and Im asking for it to be removed.
Consumer complaint received 2021-03-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TX)

I applied for home loan with AmeriSave Mortgage on XXXX of XXXX. 

Loan Application number is XXXX XXXX is demanding a non refundable loan processing fee of XXXX XXXX XXXX XXXX XXXX ] before they can process my application. They already have run and extracted my credit report which has hit my score. By demanding fee upront they are stopping an applicant from shopping for loans from other sources and this is illegal. 

See this judgement : https : XXXX
Consumer complaint received 2021-04-02
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I noticed this fraudulent account on my credit reports and I've disputed it several times with the company and XXXX and XXXX  and they are still stating this is mine without properly verifying with my signature. Please remove the following fraudulent account immediately, thank you. 

Account Opened Amount Portfolio Recovery XX/XX/2017 {$770.00}