davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Credit 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 (NY)

I have followed the exact instructions for fraud and identity theft that the federal government has issued. I filed a report with the New York State Police regarding my identity being stolen and fraud committed by another individual. In each case if credit card fraud, the outcome has been determined by two separate companies that I was not responsible, and those companies removed the information from my credit report and issued a statement stating this information. Apple Credit Card and Goldman Sachs are still disputing this information even after I have sat through multiple days worth of conversations with their fraud department and have disputed EVERY single transaction, including how APPLE illegally combined my credit card with another individual, making my account appear as a joint account, without my permission, knowledge or contact. I had a {$10000.00} limit that sat unused for years before my account was combined with someone else who had a limit of {$750.00}. How does that happen and why does that happen without contacting me? After 8 months of disputing this nonsense, I went from a XXXX credit score with XXXX missed payments to a XXXX as of today and only Apple Credit Card shows up with missed payments for an amount of {$8900.00} that is not mine. After following all the federal requirements for fraud, and the NYSP stating that I am unable to do anything, that only the credit card company is allowed to go after the person, I am still unable to remove the fraudulent card and debt from my credit report. Which has caused me to be denied credit by lenders and as a service member, this looks very bad to my command. I have been told by Goldman Sachs representatives that I AM responsible for contacting the XXXXXXXX XXXX merchants and disputing the charges, which is not acceptable as I am not the one who made these purchases and I also can not sue/prosecute the individual who stole my identity. The constant harassment by representatives from the bank to collect on a debt that is not mine is ridiculous and unacceptable. Each day I am being contacted and then transferred to their fraud department who states that they have made a note in my file but each day the representative tells me that there is no such documentation. Please help me fix this issue as I am now being denied credit due to my credit score, and so called missed payments on a fraudulent credit card.
Consumer complaint received 2018-09-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (MO)

This company is attempting to collect a debt that has not been VALIDATED or VERIFIED. I asked the company for VALIDATION of this debt and they have failed to do so. They sent me billing statements which is not VALIDATING this debt. Also I've previously disputed this company for this same reason and somehow they managed to get back on my report, they did not notify me within the allotted time period they were going to add this back to my credit file. Therefore this needs to be removed from my credit report and this company needs to cease communication with me.
Consumer complaint received 2018-09-22
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. (NV)

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX  which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

I have a loan with CHASE CARD XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CHASE CARD with no successful resolution. ( Bureau ) only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Consumer complaint received 2018-09-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SOUTHWEST FUNDING, LP (TN)

XXXX XXXX with Southwest funding was absolutely horrible. I lost out on a deal for my future home twice due to his negligence. He was ill prepared and just unconcerned for anyones livelihood other than himselves. I voiced my frustrations with his lack of communication on multiple occasions and it didnt seem to phase him. I hope he will not have the opportunity to ruin anyone elses future endeavors every again.
Consumer complaint received 2018-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GREAT LAKES (KY)

XXXX XXXX is incorrectly reporting to all 3 major credit bureaus incorrect balances and payment history. They can not legally report Higher credit limits over the amount of the amount of the loans that I have taken out. 

These items have been disputed twice in the past year with each bureau and neither time have they failed to comply with rules and regulations to correct their errors. 

The amount of my loans do not total they amounts they are reporting and I have never received any documentation from them reflecting that they have verified the amounts I owe verses the total of my loans. 
If they can not verify the appropriate information and that all the debts they are reporting are correct then they are required by laws to remove those items from my bureaus.
Consumer complaint received 2018-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (FL)

XXXX XXXX lack of cooperation to solve issue when requesting a decrease of capitalized interest added to my account. 
Misguiding customers by no providing all information. 
Per information provided by XXXX XXXX XXXX accrued interest for bankruptcy and after bankruptcy because a payment plan changed to be able to afford payments. 
Lack of respect for customer. Never the person responding e-mails identified themselves. 
Overall I have been discriminated by representatives of this company. Dealing with them since XX/XX/2018.
Consumer complaint received 2018-09-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Relief Center (HI)

I received a letter from the Debt Relief Center, with a PO BOX address in XXXX, AZ. It says that I owe $ XXXX, and they are a collection agency on behalf of my creditors. They are offering a payment plan, and this is my second notice ( I dont think I received a first notice ). 
They ask me to call XXXX. 

I dont think I have any outstanding debts, my Credit Cards are managed, I have ID protections. Unless my info was sold on the the deep web, and used to create a parallel life, I believe this is a SCAM.
Consumer complaint received 2018-09-21
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: JPMORGAN CHASE & CO. (IL)

I was charged by XXXX XXXX XXXX for life Insurance that I did not authorize which was {$72.00}. I requested a dispute with my Chase Debit card. Chase stated that the company XXXX XXXX XXXX stated that they would not refund my money because I cancelled too late. I was charged on XX/XX/2018 and XX/XX/2018 in the amount of {$36.00} each for a grand total {$72.00}. I did not discover these charges on my credit card until XX/XX/2018. So, I then filed a dispute with Chase and was told that XXXX XXXX XXXX denied my refund. Then on XX/XX/2018 Chase stated that they could not dispute the charges, and that it was out of their hands. However, Chase did dispute the charges in XX/XX/2018. Then Chase denied the dispute a few weeks ago without informing me as to why. I'm not sure what is going on as to why Chase has refused to dispute my charges.
Consumer complaint received 2018-09-21
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. (NJ)

I've been making payments to my account since the opening of my loan in XX/XX/2018. My payments are due the XXXX of each month for {$920.00}. I noticed that the month of XXXX on my credit report that it shows I am 30 days late. I am not currently 30 days late and on my report it states my status was updated on XX/XX/2018 but my payment is due XX/XX/2018. I contacted XXXX XXXX XXXX ( XXXX ) via the phone to speak with someone but the Manager was extremely rude to me. The Manager even told me if I can not afford the car then return it. I then wrote a 'Good Will '' letter explaining my situation. I explained that I recently went through a divorce and I've been having competing personal priorities. But I have been making my payments within the 30-day time frame. I knew that I was not 30 days late and I was even having problem with their phone system when making my payment. I spoke with another representative and was advised to use the online site to make another payment. I was assured my account was in good standing. After getting the alert I missed a payment with XXXX I immediately reached out to dispute this claim. This 30 day late payment is gravely affecting my credit and even through my divorce I've worked hard to maintain my credit status. As a consumer I want to make sure I can trust my lender to practice fair practices.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX-XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never lived here please remove these address from my credit file XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance wit

h 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you sup
ply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item XXXX XXXX ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2018-09-23
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. (KY)

XXXX XXXX is incorrectly reporting to all 3 major credit bureaus incorrect balances and payment history. They can not legally report Higher credit limits over the amount of the amount of the loans that I have taken out. 

These items have been disputed twice in the past year with each bureau and neither time have they failed to comply with rules and regulations to correct their errors. 

The amount of my loans do not total they amounts they are reporting and I have never received any documentation from them reflecting that they have verified the amounts I owe verses the total of my loans. 
If they can not verify the appropriate information and that all the debts they are reporting are correct then they are required by laws to remove those items from my bureaus.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXXI HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-09-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I'm extremely disappointed by the predatory behavior of Navient. My paperwork disputes what your customer service reps are saying my total is ... that is very concerning and the fact that it will take a week or more until I get a statement is also concerning. 

This rant is also brought on by my recent research. Taking a deep dive into my emails from Navient starting in 2014, they have only pushed forbearance on me. It wasn't until very recently they offered other solutions. Now that I make far more money than I did out of college those other solutions wouldn't work for me anymore .... but they would have been GREAT during that time. And the only reason my loan is where it is ... is due to my situation after college ( getting paid minimum wage at an XXXX XXXX and suffering from health issues ) Also, their customer service rep today around XXXX ... suggested forbearance again! Only when I asked what the negative effects were he told me it would add more costs to my loan. Only when I asked if it was a better solution to pay it off next week, he told me. After my questioning, he hung up the phone aggressively. 

I'm very VERY upset and disgusted with how Navient is run. Nearly all college graduates I know have been screwed over by them in one way or another.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX   XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never lived here please remove these address from my credit file XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2018-09-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Selene Finance LP (FL)

I had a HELOC equity line account with XXXX XXXX  XXXX, opened in XXXX. The loan was sold to XXXX XXXX with the servicing company SELENE FINANCE. I have been current on payments all the way through XXXX, at which time SELENE offered to allow deferment due to hurricane Irma and damages, loss of income I received. The payments were always around {$250.00} for the Equity LIne. I signed a deferment with Selene and the payments went to {$580.00} during the deferment period. After the deferment ended in XX/XX/XXXX I was expecting the payments to go back down. Instead Selene insists that my payments are now {$1200.00} a month. Stating that the loan was past due and reported my loan 120+ late. I have tried to work with Selene who offered me a modification. I am now receiving certified letters stating INTENT TO ACCELERATE on my loan. I do not want to lose my home. This is my primary residence. IF they take my house, my daughters and I will be XXXX.Selene Finance sent me a letter dated XX/XX/XXXX stating if I do not pay {$13000.00} by XX/XX/XXXX they will begin foreclosure proceedings.

Letter is attached.