davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-02
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

I am trying to understand what is going on what the payments to this account. My account is set up for auto-debit. The amount to be debited was supposed to have been calculated by XXXX to include the accumulated interest between payments. I am reviewing the payments made relative to the accumulated interest, particularly for XX/XX/2017, and see that the interest amount kept accumulating despite the monthly payment amounts exceeding the monthly interest accumulation. I don't understand how this is possible, especially since I am now learning that this loan is re-amortized on a quarterly basis. My loan statements indicate the monthly payment was being entirely applied to interest, and yet the interest kept going up, in some cases by hundreds of dollars in-between months. 

I have previously asked for the terms of my loan agreement, specifically that part that addresses interest rate calculation, amortization, and other pertinent terms to the calculation and pay-off of my loan. My monthly loan payment was changing, and I did not understand why this way occurring. I even went through the CFPB in an attempt to obtain the relevant documents. CFPB closed out my case after XXXX responded, and did not provide me an opportunity to indicate whether the information provided addressed the issue. XXXX responded that the monthly payment changed due to changes in my interest rate. However, to date, I have only received a two-page promissory note, but nothing with the loan interest rate or calculation formula. I have requested this information so that I can review it. I do not have a problem with paying an owned debt ; however, I would like to know how the debt is determined so that I can make informed decisions as a consumer on how best to resolve the debt. This issue is only occurring on my CitizenBank student loan serviced by XXXX. Each time, both entities keep telling me I need to go through the other party for the requested information, resulting in me not being able to obtain the information from either. Attached is all of the information I have received from either party relating to the terms of my loan. The document DOES NOT address the loan terms, but simply defines ( incompletely as terms are clearly missing ) them.
Consumer complaint received 2018-05-02
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. (VA)

My current credit report reflects two Kentucky Higher Education Student Loans with the same account numbers, open dates and closed dates. They both state that the account was transferred, closed/Never late. They have to different loan amounts Kentucky Loan 1- Closed XX/XX/09 for {$10000.00} Kentucky Loan 2- Closed XX/XX/09 for {$8500.00} Could not submit dispute because I had to wait until others account disputes were settled.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (LA)

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-10-28
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)

I've been submitting multiple disputes to these companies since XX/XX/2022, and they have not addressed the accounts that do not belong to me that are continually reporting on my credit report. 

They have continuously " updated '' the accounts. Their website results are the same and their online system doesn't allow me to submit any more disputes regarding these fraudulent accounts that don't belong to me. 

I have called the credit bureaus regarding the accounts that are not mine and their response is the same, " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I have requested a copy of what these companies have provided to them that certifies these accounts belong to me, but they won't release such information.
Consumer complaint received 2018-05-01
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. (FL)

In XX/XX/2018 I discovered that XXXX had reported a hard inquiry on my credit report with Equifax. Eventually XXXX agreed to remove it " see letter attached " Equifax is telling me they never received any removal request from XXXX on XX/XX/2018 as XXXX   indicated, please see attached Equifax is not willing to contact XXXX even though I provided them with the confirmation number. 
I was in the process of buying a home and this hard inquiry effected my score and I tried everything with Equifax to end up with no resolution.
Consumer complaint received 2023-06-09
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: GOLDMAN SACHS BANK USA (FL)

On XX/XX/2023, I made a purchase for {$8700.00} on my Apple Card at a retail store on XXXX XXXX XXXX XXXX XXXX XXXX. The sale representative called for an approval because there is no physical number on the Apple Card. On XX/XX/XXXX, XXXX XXXX put through the charge for {$8700.00}. A pending charge for {$8700.00} dated XX/XX/XXXX and a purchase for {$8700.00} dated XX/XX/2023 both showed in my transaction history. On XX/XX/XXXX, the pending charge had not fallen off of the card, so I disputed the pending charge. On XX/XX/XXXX, I called Goldman Sachs customer service and spoke with a representative who assured me that the situation was being worked on. On XX/XX/XXXX, a member of the Goldman Sachs `` tech '' team contacted me to say that they received the complaint and the situation would be resolved. On XX/XX/XXXX, I received an email from Apple Card Support stating that my pending transaction case had been resolved because I requested to withdraw the dispute. I did not at any point request to withdraw the dispute. I contacted Goldman Sachs again on XX/XX/XXXX and spoke to a supervisor that said she would " expedite '' the situation as the pending charge should have fallen off. On XX/XX/XXXX, I received another call from a representative of the Goldman Sachs `` tech '' team that stated the problem had been pinpointed and would be resolved. Both the pending charge and the actual charge were still showing on my card, so I contacted Goldman Sachs again on XX/XX/XXXX. I was told by a supervisor that my issue would be expedited. After contacting Goldman Sachs again on XX/XX/XXXX, nothing has been done to correct the issue with my Apple card. Additionally, my card balance reflects the amount due to include the pending charge. My credit card statement shows the correct balance and does not list the pending charge of {$8700.00}, but the balance showing online and in XXXX XXXX app lists the pending charge in my current balance due. I am concerned that Goldman Sachs is charging me interest on both the pending charge and the actual charge.
Consumer complaint received 2018-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

A XXXX XXXX card has been a part of my Chapter XXXX bankruptcy since XX/XX/XXXX. A few weeks ago the status of the card changed and it was no longer labeled as bankruptcy. It was showing as a delinquent account. I submitted a dispute and they updated it to be included as a part of the bankruptcy again, but my credit report decreased by about 24 points with an updated date for XX/XX/XXXX. Original date that XXXX became a part of the bankruptcy was XX/XX/XXXX. Status now states it is a petition for Chapter XXXX Bankruptcy/Never late. I do not know what made the card move from bankruptcy status to active status. I feel like my credit score was negatively impacted by someone's error to report it correctly with the bureaus, which is negatively impacting my credit.
Consumer complaint received 2018-05-01
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. (NC)

I submitted a disputed to transunion for several inquiries previously removed from report but added back without 5 day notice as required by law also several accounts show in correct or incomplete information listed below The account listed shows derogatory but also status status unknown no historical payment history XXXX balance this is conflicting information previously removed durning a credit dispute added back with no notice to consumet 1/ XXXX  XXXX 2/XXXX  XXXX # XXXX 3/ XXXX XXXXXXXX # XXXX 4/XXXX XXXX  # XXXX 5/ XXXX XXXXXXXX # XXXX 6/XXXX XXXXXXXX # XXXX 7/XXXX # XXXX The following account show as in dispute however Im not of dispute of these accounts 1/XXXX remove dispute comments in all accounts for this creditor Lastly the following inquiries were previously removed now added back without a 5 day notice XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Hello my name XXXX XXXX XXXX. I have an account with Chase Bank. I am writing this letter to inform you of a harsh and uncalled for experience that was meted to me at a local chase bank on XXXX XXXX XXXX XXXX, XXXX Texas XXXX on Saturday XX/XX/2018. 
I went to this location ( XXXX XXXX XXXX XXXX, XXXX Texas XXXX ) to withdraw money from my account. The amount I wanted to withdraw was a little over ten thousand dollars. 
Before going to the location, I checked my online access and it indicates the availability of the funds. However on getting to the location, I was surprised that the Chase Bank representative on duty XXXX XXXX XXXX informed me that the funds can not be disbursed to me. I asked to find out if there was any hold on my account but she informed me that there was none. She gave no special reason why the funds can not be made available to me. 
Even after giving her all the required valid identification, she still refused to disburse my funds. 
I left that location and drove ( few minutes ) to the XXXX / XXXX XXXX location ( XXXX XXXX XXXX, XXXX, TX XXXX ) which is within a 10 minute drive interval. The funds were made available to me at this location ( XXXX XXXX XXXX, XXXX, TX XXXX ) without any difficulty. 
The whole incident did not feel alright especially considering why XXXX XXXX the Chase manager refused to disburse my funds. 
My observation is that XXXX XXXX XXXX attitude to me is a text book version of racial profiling. She did not have any reason for denying disbursing my funds. She never complained of not having the said amount to disburse. I feel racially profiled by the Chase Bank representative. Since Chase Bank has the same policy overboard, why did the other branch down the street disburse my funds without asking questions in a 10 minute interval? I feel the Chase Bank representative is choosing and picking her customers based on her personal mundane reasons. She may have been wondering why I was withdrawing the earlier stated amount of money. It is because of this reason that I am bringing this to your attention. 
Sincerely, XXXX XXXX, XXXX.
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

In XXXX of 2017 I complained to the big 3 reporting agencies that my balance was shown too high for a prolonged time thus lowering my score. They deleted the card from my file [ not at all what I wanted ]. XXXX and XXXX XXXX began reporting again and reinserted accurate information. Equifax never did. XXXX XXXX  assures me they report as required monthly. I have enclosed a letter from their XXXX XXXX XXXX who phoned Equifax with me yesterday in an effort to have them report my card. We left frustrated once again that they have not corrected the error. In their response to you to close my initial complaint they lied and stated XXXX XXXX is not reporting on my file. To illustrate their incompetence further about 6 weeks ago my knee was bothering me and I had my sister do some grocery shopping for me. To make it easier for her I added her to my card so she would not have to use her own funds. The incompetent Equifax is now showing my card on her credit file but still not mine. I have filed disputes with them on-line, over the phone, in writing via U.S. mail  and thru the CFPB but nothing works. On-line I can not see the remarks since they block me from access since they do not recognize me. I am frustrated beyond belief that they continue this error despite my sending copies of my statements and payment history. I have just been turned down for a refinance on my home due to their low score which dropped over 100 points since according to them I have no credit hjistory. IN truth I have excellent credit history never late, balance always paid in full early before even being billed.
Consumer complaint received 2018-04-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (WA)

on XX/XX/2018 my SSI loaded XXXX debitcard issued by XXXX XXXX bank [ in XXXX XXXX tx. ] ... was defrauded of a {$700.00} withdrawl. 

after repeated attempts to report this i finally recieved, filled out and returned their " Questionaire of Fraud Report '' ... returned by mail.XX/XX/2018 [ to XXXX ] .... 

i have recieved no further communication of any kind ... 
today 's date is XX/XX/2018 enclosed are photos of the questionaire of fraud report ( Card number submitted in this complaint is old { cancelled } card number ) New card has been issued.
Consumer complaint received 2018-05-02
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. (IL)

I have communicated with XXXX XXXX XXXX  and EXPERIAN & XXXX   about correcting the late payments in association with ALL 12 XXXX XXXX XXXX accounts ( associated account # s : XXXX ) as they were never late, further more the dates of the payment history being reported is incorrect and therefore it either must be updated or removed according to FCRA 611 ( 15 U.S.C. 1681I ) ( see attached ). 

Accurate account reporting can not simply go from current or paying/paid as agreed one month and then 90 days/120 days late derogatory status the very next month, unless the reported payment history is inaccurate to begin with. I have also attached a student loan document showing the dates of all forbearances which was given to me directly from the data furnisher ( XXXX XXXX XXXX ) which subsequently requires no payment and therefore further supports my stance of the 12 XXXX XXXX XXXX  accounts never being late and the payment history being wrong. There are 4 late payments showing incorrectly. 

Are these companies above the law in which has been stated and expressed in the FCRA? I want these issues remedied now or I will be pursuing legal action against all parties involved as a part of exercising my consumer rights in an attempt to be compensated for the damages that have been caused by the reporting of incorrect information in my credit files.
Consumer complaint received 2018-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I disputed the debt through all 3 credit bureau 's, and it is still on my credit, I Have never heard of this company nor have i did business with the company, I asked for a contract that was signed between me and the company, and they did not have one. I do not owe this company
Consumer complaint received 2018-04-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Midwest Recovery Systems (WI)

This is from XXXX XXXX XXXX , XXXX which is a company I haven't done any business with whatsoever. Midwest Recovery Systems is handling the collection of this unknown account of which they claim I owe XXXX dollars. There have been 38 people that have gotten unknown reporting on their credit report including mine from these companies.
Consumer complaint received 2018-04-27
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: ERC (IL)

Im filing this complaint because this company is being unfair. I paid the collection amount and I am no longer liable on this account but they declined to remove the negative reporting even if I already settled the account. The amount owed on this account is something I should not be obligated to pay either. I was deliberately mislead by the representative who assisted me with opening up my XXXX account. He indicated to me that I was not under any contact but that he had to write an agreement for a set amount of months. He told me directly that there is no early termination fee and I am free to cancel if I am unhappy or just do not wish to continue service anymore. This did not turn out to be true. I cant help but feel a little cheated here because I specifically asked about this and I was mislead.

My family is dealing with a lot of problem lately, a XXXX XXXX, a mother that needs XXXX XXXX and a landlord that do not want to renew our lease. I want to purchase a new home for my family which can help them be in a comfortable state, the reason why I am currently trying to rebuild my credit, but this Agency is preventing me to do that for my family. We are in a very difficult situation and I'm trying to be strong for them.

To resolve the problem, I would appreciate if they can remove the negative reporting on my record.
Consumer complaint received 2018-05-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

On XX/XX/XXXX I tried to withdraw money from Coinbase. The amount was about {$1000.00} USD, located in my USD wallet. I wanted to deposit the money into my bank account. 

I initiated the transaction- a deposit of {$1000.00} into my bank account, only to learn the next day that that transaction is referred to as a withdraw not a deposit. I learned this the next day when I tried to use my debit card linked to the bank account. My card was denied because of insufficient funds. 

I contacted my bank, who identified the problem and stopped the deposit. I then tried to fix my account by initiating a withdraw ( since I needed to withdraw money and put into my bank ... not deposit money from my bank ). 

Still having problems withdrawing my money, I called coinbase and was informed that my bank was the problem. They said my bank had blocked my account on Coinbase from all transactions. I was informed that I needed to talk to the bank to fix the problem. Which I did, both on the phone and in person. 

Coinbase still will not allow me to access my money and withdraw it from their company. 

It is now XX/XX/XXXX. I have called many many times since then. It is a scam, every time I call the person tells me that they can't help me, only a specialist can. I am informed that my case is being marked as urgent and high priority. I am told I will be contacted in 4-5 days by a specialist and I receive an email to confirm this. " 4-5 days ... but it could take longer ''. 

I never receive a call. I call back and ask people to read my notes in my file. This has gone on for months. I will ask the person on the phone if they have ever talked to a specialist themselves. No. How many specialists does Coinbase have? They have no idea. No one I talk to can give me any information. They just inform me that they are marking my case as highest priority. 

I have emailed too. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I have communicated that this is unacceptable from a company. I have discussed legal action. I have threatened to contact the CFPB, and here I am. 

I am at the point of pitting together a law suit.
Consumer complaint received 2018-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

We have an escrow account with OCWEN on our home loan to pay tax and insurance. It is a new loan and we forgot they pay our taxes and we paid the County the taxes. When OCWEN sent tax payment to County the payment was returned to OCWEN because the tax bill ( {$2300.00} ) had been paid. We contacted OCWEN to get refunded this overpayment, which sits in our escrow account. They refuse and instead say they are making an adjustment which is actually charging us MORE each month for 49 months ( see attached letter )! It makes no sense. We do NOT want to have an adjustment on our monthly escrow to absorb this overpayment, we want a simple refund so it is not confusing, plus {$2300.00} is a LOT of money to us and we need to be reimbursed.We need our money!