davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (GA)

Apple Inc./ Goldman Sachs is stating that I owe them a little over {$6.00}, XXXX which can not be possible because I never personally opened an account with them and if it is an account that was opened or debt owed it is the result of Identity Theft! Apple has not resolved this matter and is still trying to collect the supposed debt through XXXX which is not of my doing!
Consumer complaint received 2023-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (OH)

I got a collections notice to my XXXX XXXX  and XXXX apps today from XXXX XXXX. I have never heard of the card or account that I am disputing. I never applied for this card. It never even showed up on any of my credit reports until today when it showed up as a collections account.
Consumer complaint received 2021-08-26
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: EQUIFAX, INC. (MI)

Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/21 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

There are inquiries on my Equifax report that was not authorized by myself. i contacted Equifax to report these fraudulent inquiries and was told I had to go to FTC.gov and fill out a report and then fax it to them in order to get these items removed. the item are listed below. 


XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVICES, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, IL XXXX
Consumer complaint received 2021-08-26
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: Santander Consumer USA Holdings Inc. (NY)

I have these items that does not belong to me and i want them to be removed. 


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

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

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft SANTANDER BK Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (NC)

I was pre-approved for a home loan with Better Mortgage. I got them all of the financial information they requested within 24 hours. They did not get the appraisal done. My home has sold. Asked repeatedly about getting the appraisal done. They waited until 10 days before my close to do it. It's still not done, my home is supposed to close in one week. I have to move because my home sold. I do not know if I can move into my new home because we do not have a completed appraisal. I've been asking every day for several days. I keep being told that it will come in tomorrow and it never does. I am at risk of being homeless. I'm also at risk of being out several thousands of dollars because I have already paid for and booked the moving company. They are now avoiding my emails and I have being placed on hold for several minutes and no one is getting back to me. I have excellent credit. I would have not used this firm if I knew this was going to happen. What if my house does not appraise for the value it is listed at? I do not have the money to make up for the difference. What if the appraisal is not done before I am supposed to move? This is completely crazy. I feel duped and I am XXXX and very scared of being homeless.
Consumer complaint received 2021-08-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Management Services, LP (CA)

After noticing two charge-off accounts on my credit report. I reached out to both XXXX  XXXX XXXX XXXX as well as Capital Management Services with a certified letter on XX/XX/2021 to settle debt owed. My letter stated that I was willing to pay the debt in it's entirety once I received a letter of deletion from an official representative from the company. My letter also stated that my offer to pay willing expire in 30 days from letter sent. It's been two months and I haven't heard from either company.
Consumer complaint received 2021-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (TX)

Today XX/XX/2021 around XXXX central time I returned a voicemail about student loan forgiveness program that I qualified for. XXXX. They left agent ID # s. They knew I had 2 student loans and 1 was a parent student loan. They texted me a security code on my phone that said : FSA : Your FSA ID temporary secure code is XXXX. Enter this online within 30 minutes to continue account recovery. Do not share this code.I had to verbally tell the agent this number over the phone. 

They said 0 % interest for 240 months and then loan forgiveness. 

I thought it was a scam so I said call back tomorrow. 

Please help. I think my identity is in jeopardy.
Consumer complaint received 2021-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I previously filed a dispute and I think that there is a lot of confusion going on with it. The last time that I used was debit card was at XXXX XXXX. Any charges after that are unauthorized. My card was lost and I reported it as soon as I found out. Please help me get this situation under control. I do not wish to escalate it any further, only to finish my XXXX shopping. Thanks
Consumer complaint received 2023-04-08
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. (IL)

I have previously submitted my complaint with the credit bureaus and later to the CFPB. To no avail, an account is still reflecting incorrectly on my credit file. CFPB has not failed to help me get this issue resolved and I still have not been monetarily compensated. Now I am being charged even higher rates and am being affected from finding an apartment. 
The account in question is XXXX XXXX ACCOUNT NUMBER XXXX ADDRESS XXXX XXXX XXXX XXXX, TX XXXX is still only reflecting incorrectly on XXXX AND NOT EQUIFAX OR XXXX. The information across all three reports is inconsistent and go against the laws regulations which state information should be consistent and after the investigation 30 days if it is not fix it needs to be removed. This needs to be fix and completely removed since all three bureaus continue to refuse to actually update my credit file with consistent information. It has now been 90 days and this issue still isn't fixed and their investigation only left me with more fees. I have attached the credit reports with show the inconsistent information. XXXX XXXX is on XXXX and not on Equifax or XXXX.
Consumer complaint received 2021-08-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC (TN)

The company is calling my office and leaving messages on another coworkers phone about my debt with the company. I have spoken to the company and have EXPLICITLY EXPLAINED that this was my place of work and that the number on file was not my number. I even gave them my phone number. They are continuing to call my job.
Consumer complaint received 2021-08-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/21 a dispute was opened which I ask XXXX  to validate the bankruptcy that was on my credit report. They were ask to name the person at the Bankruptcy Court who Varified the information. They were unable to do so within 30 days. In stead they ask me to file another dispute again. They also stated that their system doesnt do that.
Consumer complaint received 2021-08-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX at XXXX, I entered The XXXX XXXX to purchase a generator. After attempting to use my debit card, the check out person XXXX from XXXX XXXX recognized that I did not get a receipt from the transaction so after calling management, he did not allow me to leave the store with said merchandise understandably since there was no record of the purchase. I then checked my account on the application and seen that on the Capital One app it had indeed debited my account for the total amount of the transaction and being surprised, I showed the cashier XXXX the app which showed it indeed was taken. He said to contact my bank as there was nothing else they could do. I called Capital one 360 at that moment while still in the store and got through with an agent who explained that since they are saying it didnt go through, he would refund me the funds and conduct an investigation. That was the last thing said and I assumed it was taken care of. 

Fast forward a month and a half later to today, I get an email from Capital One 360 that they denied my claim due to proof from merchant that it was a valid transaction and that they would be taking back the money for the purchase that did not go through. After catching an anxiety attack, I called Capital One 360 to ask how they could come to this conclusion and an off shore agent with a lack of empathy told me that the merchant satisfied there investigation and therefore they concluded that it would be taken. I rushed over to The XXXX XXXX to see what proof they provided and was told that there was none, no record of that purchase was found and further, loss prevention checked the camera on said day and confirmed that I did not walk out with any merchandise on XX/XX/XXXX. They provided me proof that the money was not taken due to the transaction failing, or something to that effect but Capital One still insists that they have proof that was sent to them by XXXX XXXX of it being valid which is impossible because they do not have any account of me making a purchase that day.
Consumer complaint received 2021-08-26
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: EGL US, LLC (PA)

This just proves that XXXX Credit Bureau is lack proper record keeping. Now, this account is reporting to be late, yet it is closed and the balance is XXXX. Lets correct this immediately. The Bureau is required to verify for themselves but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately.
Consumer complaint received 2021-08-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am currently awaiting funds to be awarded back to me from capital one bank USA from fraud claims and have provided the necessary information including police report to the company. After filing fraud claims I was notified that my bank would be ending banking relationship, and that was over XXXX months ago. Every time I go into the office I have issues with the customer service and they do not want to give me my funding. Furthermore each transaction was moved into a separate dispute process even though they were reported together and on the same report. This is a sluggish company with incompetence running thru its veins. I have {$500.00} in a bank that is no longer associated with me and I can not get my money out
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (PA)

Dept of Nelnet is reporting my student loan account as derogatory. They are reporting late payment from XX/XX/2017 which was declared illegal to report transactions history to credit bureau. This account should be discharged due to the school I went to is listed on the fraud list XXXX XXXX XXXX I disputed this several times with each credit bureau.
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

On XX/XX/XXXX I traded in my previous car, XXXX XXXX XXXX that was financed through Captial One Auto Finance. The dealership where I made the trade and new purchase is XXXX XXXX XXXX XXXX XXXX. I then purchased a brand new car of which was financed with a new lender, XXXX XXXX XXXX. Captial One continues to call me for payments on the previous car that I traded in. As of XX/XX/XXXX a 30 day late status was reported to my credit bureau. I have called Capital One Auto numerous times trying to explain to them that the car was traded off on XX/XX/XXXX and no one has tried to help me. They keep telling me to Call XXXX XXXX XXXX XXXX XXXX and ask for a check #, date and the amount of the payoff check for my previous car. I have called XXXX XXXX XXXX twice explaining to them what is going on. No one has helped me from XXXX XXXX XXXX XXXX XXXX. They always say they will call me back and never does. I have not received the title for my new car. My new lender XXXX XXXX XXXX is telling me that the contract on my new car was sent back to XXXX XXXX XXXX XXXX XXXX weeks ago because information was missing.
Consumer complaint received 2020-11-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Neon Newco Corporation (CA)

XX/XX/2020 I purchased a NetSpend prepaid credit card and I added {$200.00}. I then tried to register the card, to use it, but I was not unable to, I was transferred to a representative, and was told they would not allow me access to use Netspend and my money would not be available to use on the prepaid card ... and further, the representative on the phone told me that I would received a {$200.00} check in the mail, sent to my home, I never received a check and never was not allowed access to my personal property, my {$200.00} ; and further NetSpend phone representative would not disclose the reason for their decision to access my money on the prepaid NetSpend card. 

6 Weeks later, XXXX again for the return of my {$200.00}, when I asked to speak to a supervisor I was put on hold for an hour and 10 minutes during the transfer.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I am inquiring about the method of verification used to accurately verify the bankruptcy on my credit report. And I have pulled my XXXX XXXX file and spoke with someone from XXXX XXXX directly and they do not have this information listed in their system so please do not fabricated and say you have verified through them or the recording of the call I have with them and your statement will be sent to my state attorney general, the FTC and I will seek damages for inaccurate reporting.
Consumer complaint received 2020-12-21
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)

There are several inquiries on my credit report generated by Equifax. Particularly, there is an inquiry on my report that I DO NOT recognize nor did I provide authority to be made ( See attached copy of credit report ). To be clear, the inquiry specified is XXXX XXXX, inquiry made on XX/XX/2020. While I have an active credit card with XXXX XXXX, I did not make any inquiry on XX/XX/2020. Nevertheless, I did not have any interaction with XXXX XXXX. When I called XXXX XXXX, they said they DID NOT have a record of making any inquiry. 

By way of certified mail, on XX/XX/2020, I wrote Equifax and disputed the foregoing inquiry. ( See attached copy of dispute letter with proof of service ) Dated XX/XX/2020, I received a response from Equifax, and Equifax deemed the inquiry is " verified as reported. '' On XX/XX/2020, I wrote Equifax to provide their method of verification, to conclude the inquiry was verified, pursuant to Section 611 ( a ) ( 7 ) of the Federal Credit Reporting Act. 

However, dated XX/XX/2020, Equifax responded to the letter requesting its method of verification by simply resending the same letter it initially sent ( XX/XX/2020 ) without any detail or specificity with how/what methods it took to verify the inquiry.
Consumer complaint received 2021-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (IA)

Fay servicing holds my current mortgage. The mortgage had fallen behind, and was included in a chapter XXXX bankruptcy. My attorney has filed a letter with Fay telling them they can communicate directly with me. It has since has been brought back to 100 % current status, with no pre petition or post petition arrearages, as I sent them over XXXX XXXX dollars, and I wish to keep it that way. I had online account access for the last 90 days where I was able to review my account at will, and make payments etc etc. 

Logging in today, I find my access has been revoked. I can no longer access any financial information regarding my mortgage or it's status. All I am offered when calling them today was to blindly trust them and send money over the phone with no way to verify any details whatsoever.

Historically, I do not trust Fay Servicing, but the mortgage is far enough along that refinancing it would actually hurt me more than help me. But it seems Fay is intent upon playing games once again with my account. When I asked for a manager, I was told " his manager was not in '' so I asked for their manager, and the manager of the manager..etc etc all to no avail, just blank refusal and stonewalling to help me in the least. I was told no manager would speak with me.

I find Fay 's procedures and policies in this regard to be both predatory and malicious, and XXXX only knows what they are really up to, what they feel they need to hide. PLEASE HELP!!!!
Consumer complaint received 2021-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Synovus Bank (FL)

On XX/XX/2021 I applied for a secured credit card with XXXX XXXX Credit Card issued by Synovus Bank, XXXX, GA, member FDIC. The card was secured by a deposit of XXXX that was deducted from my checking account that same day. On XX/XX/XXXX I checked the status of my credit card. The website listed my deposit as pending and the credit card issuer had yet to receive or accept my deposit. I found this strange as the deposit was taken out of my account on the XXXX. I called the number that was very difficult to find and after speaking to 3 different people who all asked me for the same exact information and proceeded to transfer me to XXXX who supposedly needed to verify my personal information once more before my card could be approved. After verifying my information once more XXXX informed me that my deposit was accepted and my card was approved but I would need to call back in 24 -48 hours to confirm. I found this process odd and asked XXXX why did I the customer need to call back in order to finalize approval? XXXX told me that was the process and that was standard procedure. At this point I accepted what he said but asked for a supervisor. XXXX repeated that my card was approved and just to call back in two days. I told him the entire process seemed odd for a bank and that I was simply uncomfortable with the entire process. He repeated that I had been approved and to call back in 24-48 hours. I asked him for his full name which he seemed reluctant to give me. At this point my instincts told me something is no right but I ended the call. A few minutes later I called the same number again in hopes of getting through to a supervisor. Now that same number only keeps you on a continuous loop and you can not get to a real person. I tried calling the parent bank multiple times and waited on hold for 45 minutes before hanging up. What kind of bank operates like this? I then did something I should have done initially and researched the card and the bank. I found that this credit card issuer is very shady and there are many lawsuits in it's history. I made one last attempt to call the original ; number i was able to initially get through on and was only able to get a continuous loop and am unable to speak to a live person. The number I called was XXXX XXXX XXXX XXXX. The website of this company is XXXX XXXX XXXX I wish to file a complaint and seek to recover my deposit of XXXX immediately. The business practices of this credit card issuer seem to be a type stalling tactic in order to keep your money as long a possible. These people should not be in business!