davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

On XXXX XXXX 2024, I attempted to transfer {$50.00} from my Marcus by Goldman Sachs XXXX. I was told on the app and on the browser that they were unable to make the transfer and that I had to call them. 

I made the call and verified my identity with the first rep ( XXXX XXXX XXXX XXXX XXXX  ) and was security department for further verification. The security rep told me that he would make an outbound call to my number to verify. He did not call me. 

I called back into the line, verified my identity again and was sent to another security rep who told me that she was not only unable to verify me with my number on file but that there is no other way for them to verify my identity and that my only course of action was to wait XXXX business days to call back and try again. 

They have refused to tell me why my initial transfer was blocked, why my number and account information was not sufficient for verification, and next steps to resolve the issue.
Consumer complaint received 2024-07-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

My school misconduct application was approved to be giving to me, reviewed and approved by Navient for my remaining private loan debt to be waived. Much of which is made up of compound interest based on arbitrary rates set by Navient. 

I was not refunded for all payments made between XX/XX/XXXX & XX/XX/XXXX. Navient refunded one payment, my XX/XX/XXXX payment. 

I have paid {$140000.00} on theses predatory loans over the last 15 years. Navient gave me a refund check of {$750.00}, that is no acceptable. Minus the first check refunded, Im entitled to the remaining balance, ( {$140000.00} ), that I have already paid on these fraudulent loans, perpetrated by the exact reason I was giving the application in the first place : School misconduct and predatory student loan fraud. 

Navient owes all of my payments made on these fraudulent loans. It is not my responsibility to pay for the fraud committed by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Navients losses on my loans are minimal comparatively to the year over year revenue Navient gains on student loans. The culprits responsible for the predatory loans is XXXX, XXXX and NavientNot me! The fraud committed isnt the borrowers fault. It is XXXX and XXXX who are responsible for the money loaned, not the borrower whose case represent the school misconduct application that was approved. 

The corporations are at fault for the fraud committed. They can sue each other for losses. Secondarily, without proper refund for the losses us borrowers went through due to corporate fraud ; individual and class action lawsuits are coming.
Consumer complaint received 2024-07-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

In XXXX, a Toyota dealership had two listed vehicles under my account which were unauthorized by me. The day of the visit to the dealership, I was there to have repairs done on my vehicle, such as an oil change. However, upon the transaction end time and purchase of the service repair, I was notified of other vehicles on my account that did not apply to me nor were inquired by myself. There is this webpage I see quite often that sells the same vehicles I have purchased/own in the past and they constantly contact me about them.
Consumer complaint received 2024-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC (OH)

Pursuant to a payoff letter from the mortgage servicer of my mortgage loan, Newrez LLC dba Shellpoint Mortgage Servicing, the payoff amount of my mortgage loan was transferred by wire using the wire instructions provided by Shellpoint in the payoff letter. I have confirmation from my bank that the wire was sent on XX/XX/XXXX. I have tried to confirm with Shellpoint that they received the wire, but they say they have no record of it. In fact, in a call with customer service on XX/XX/XXXX, I was told that the wire instructions I was given by Shellpoint were incorrect. No solution to my dilemma was offered. The following day, on XX/XX/XXXX, I called again and spoke with a Shellpoint supervisor who said that the company was in a " rebranding '' transition and that there was a delay in confirming transactions. I was given an email address of their " treasury '' department to send details of the wire and was told that only this department could trace the wire, locate it and apply it to my account. I was told I would receive an acknowledgement of my email within 1-2 hours of sending it and that the issue would be resolved within 48 hours. I sent the email on XX/XX/XXXX at XXXX and have not received an acknowledgement ( it is now XX/XX/XXXX at XXXX ) and of course, nothing has been resolved. Anything you can do to resolve this issue would be very much appreciated.
Consumer complaint received 2024-07-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I applied for an apartment and paid a {$55.00} application fee online. I received a denial email the next day. A few months later I received an email about a {$150.00} move out fee. I explained to them I was denied and never moved in. They sent it to a collection agency and they won't stop calling and emailing me.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (CA)

I am refilling this complaint against APPLE CARD/GS BANK USA for non-compliance with the Fair Credit Reporting Act ( FCRA ) and for permitting fraudulent account to persist on my credit report without rectification. I submitted to APPLE CARD/GS BANK USA , along with the assigned identity theft case number XXXX. It has come to my attention that despite of all the dispute letters I sent out, APPLE CARD/GS BANK USA has failed to address the fraudulent account that continue to be inaccurately reflected on my credit report. I had anticipated that APPLE CARD/GS BANK USA , as a credit reporting agency , would safeguard my personal information and ensure the provision of precise credit reports. I am deeply concerned about the potential damage to my creditworthiness and financial standing resulting from the presence of these fraudulent entry. I urge APPLE CARD/GS BANK USA to promptly investigate and rectify the inaccuracies on my credit report in accordance with the provisions outlined in the Fair Credit Reporting Act. Your immediate attention to this matter is appreciated, and I expect APPLE CARD/GS BANK USA to adhere to the FCRA guidelines in ensuring the accuracy and integrity of the information contained in my credit report.
Consumer complaint received 2024-07-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

I purchased the vehicle while I was a XXXX. It was reflecting that I was a XXXX in the XXXX XXXX when I purchased the vehicle. I was then selected to go onto XXXX XXXX for XXXX years and submitted for my SCRA benefits and I was denied the benefits because I was technically a XXXX and still affiliated with the XXXX  at the time. When I called, I was told it didn't matter that I wasn't on XXXX XXXX and now that I am because of the reserve aspect, even though clearly the SCRA states that it applies only to members who are XXXX XXXX, and the benefits start when you begin XXXX XXXX. When I asked to see this policy or have the policy sent to me, I was denied and was told I was not allowed to see this policy, its just how the operate. I was unable to talk to any manager or any who was hire staffed than agent # XXXX where she refused to help besides saying her manager was to busy to speak with me. This was my second attempt to try to get them to follow the legal process and was denied my SCRA benefits.
Consumer complaint received 2024-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MD)

Multiple disputes regarding debt reporting on my credit report from Midland Credit Management. The information is incorrect and does not belong to me. I sent a letter of validation on XX/XX/year> and still have not received the information.
Consumer complaint received 2019-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

My loan was transferred from Ocwen Loan Servicing to PHH Mortgage on XX/XX/XXXX. There was no information given to make payments. I called the customer service number and the wait time was over an hour. The online system would not let me set-up an online account to make a payment. Once I did speak with a rep, I was able to make a payment. My XX/XX/XXXX payments was applied to XXXX. I have never been late with a payment in 16 years. My XXXX payment was applied to XXXX. I called again and waited another hour to speak with another rep. He told me that he would put a work order in to research my history with Ocwen and it would take 10 days. I called backed after 15 days and was told to send my own payment history ( which I did ). On top of that I made a payment, and they debited the incorrect amount out of my bank account. I have two liens and one is fully paid off. They keep telling me to send in payments for interest and recording fees. I have already sent these payments twice and I don't even have a principal balance. I was told that they keep applying those payments into a suspense account instead of updating the system to show that I fully paid off the loan. They keep taking my money and not updating my account. The last time I made a payment on my fully paid off account, they ended up debiting an entire mortgage payment from my account. It was the amount I paid prior to paying off the account. They did not have an authorization to debit my account for a full payment that was not even due because the loan was paid off. As I stated, I paid this recording fee and interest twice. As for my second account, they also debited an entirely different payment than I authorized over the phone I called back today and was told that my representative was unavailable for the entire day and there was no one else that I could speak to about the matter. I never take time to file complaints, but this is absolutely the worse company. How can you debit my bank account for an unauthorized amount. How can you still be making entire payments on a loan that is fully paid off? How can only one person in the entire organization be the only one to help me? How can the company take over my account in XXXX and bill me for XX/XX/XXXX and then apply that payment to XXXX when I already paid the mortgage for XXXX to Ocwen?  Something is wrong with this company all together.
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MO)

my company doesn't pay us the way most do they use daily pay so that way it helps employees get started with funds and such and I have chime as my bank but because of the way my pay is set up chime is saying I don't get to use features such as spot me anymore because my company pays the way they do and when I called about this Chime told me to tell my company they need to pay us every two weeks or to find a new job. They say to use it I have to have {$200.00} plus dirct deposited into my account every 34 days and I have well over that coming in like {$1500.00} over that but I do'nt get to use it because my company pays me daily. this is wrong.
Consumer complaint received 2022-11-24
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: Experian Information Solutions Inc. ()

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2024-07-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENOVA INTERNATIONAL, INC. (NJ)

I am filing a complaint against NetCredit XXXX XXXX for their failure to validate a debt they are attempting to collect from me and for reporting inaccurate information to the credit bureaus. 

I received a collection notice from NetCredit XXXX XXXX regarding a debt they claimed I owed. I immediately disputed the debt, as I did not recognize it and had no contract or agreement with NetCredit XXXX XXXX. I requested validation of the debt, including a detailed breakdown of the amount owed, the name and contact information of the original creditor, the original contract, and proof that NetCredit XXXX XXXX had the legal right to collect the debt. 

Despite my request, NetCredit XXXX XXXX failed to provide the necessary documentation to validate the debt. Instead, they continued to report the disputed and unvalidated debt to the credit bureaus, negatively impacting my XXXX XXXX. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, which requires debt collectors to cease collection activities until they validate the debt. 

Furthermore, NetCredit XXXX XXXX did not provide their state license number or information on what activities their license permits them to engage in, as requested. This raises concerns about their compliance with state and federal regulations. 

Their actions have caused significant stress and financial hardship. The continued presence of this unvalidated debt on my credit report is unfair and damaging. I request that NetCredit XXXX XXXX immediately cease all collection activities, remove the account from my credit report, and provide full validation of the debt as required by law. 

Thank you for your assistance in resolving this matter.
Consumer complaint received 2024-07-19
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: National Credit Systems,Inc. (MD)

I received a notice from National Credit Systems a third -party collector for {$11000.00}. The debtor claims I owe a debt to XXXX XXXX XXXX and the Tenant is attempting collect fees for breaking the lease agreement without notice. The case was held in court and dismissed for erroneous charges and fraud. The third-party National Credit Systems is aware of the dismissal and reported the debt to my credit regardless of the Court decision XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc (MD)

I hope this letter finds you well. I am writing to bring to your attention a matter concerning the reporting of secured credit cards on credit reports and the negative impact it has on access to credit and credit scores. I believe this issue needs to be addressed to ensure fair and equal opportunities for individuals located in underserved and underresourced communities seeking ways to build and or rebuild their credit. As an individual who has utilized a secured credit card to build credit history, I have noticed that the reporting of this type of credit card on my credit report is having a marginalizing effect. Despite making payment in full utilizing my own funds, the presence of a secured credit card on my report seems to have a negative impact on my overall creditworthiness. Upon reviewing laws and regulations related to credit reporting, I have learned that the Fair Credit Reporting Act ( FCRA ) governs the collection, accuracy, and reporting of consumer credit information. However, there appears to be a gap in the regulations regarding the treatment of secured credit cards on credit reports and the CFPB priorities anchored in your XXXX XXXX Report to propel XXXX Orders XXXX and XXXX. I believe that the current reporting practices regarding secured credit cards are disproportionately affecting individuals who rely on these cards to establish credit. This marginalization could hinder their access to other credit opportunities, such as loans, mortgages, and even employment prospects. Additionally, the negative impact on credit scores can further perpetuate a cycle of limited credit access and financial inequality. At present the XXXX Summary date XX/XX/year>, from XXXX documents I owe in excess of XXXX to Chime which is incorrect. I kindly request that the Consumer Financial Protection Bureau investigate this matter as this account is Paid in Full. I request for CFPB to consider implementing regulations or guidelines to address the reporting practices associated with secured credit cards. The goal should be to ensure that individuals located in underserved and underresourced communities who responsibly utilize these cards are not unduly penalized or marginalized in the credit evaluation process by creditors and that it does not negatively impact their ability to access credit due to these reporting errors particularly if accounts are Paid in Full. I appreciate the important work the Consumer Financial Protection Bureau does in safeguarding consumer rights, and I trust that this matter will be given the attention it deserves.
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XXXX XXXX at approx XXXX Debit Card was declined for purchases. Contacted USAA costumer Svc Line at approx XXXX and spoke with XXXX XXXX ; XXXX refused to explain why I could not access my account as the primary account holder. Asked to speak with Supervisor, Was Transferred to Member Resolution Dept and spoke with Rep XXXX at approx XXXX, Rep refused to explain why I could not access my account as the primary account holder and when ask to speak with her supervisor ; Rep refused and stated there is no one above her she could transfer to. Called back to USAA to file complaint was transferred to Deposit Svc, Banking Dept, Spoke with Re XXXX XXXX at approx XXXX, At first, rep did not want to take complaint but then after XXXX min hold took complaint and stated that someone will contact me within 3-5 business days.
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION (GA)

My card was used to purchase an item out of State in XXXX XXXX, SC. I have never been to XXXX XXXX. The purchase amount was nearly {$1000.00} l filed a police report and despite the money was not refunded to my account. I also filed a complaint with CFPD previously and received no follow up calls or information. The phone number provided to contact company, XXXX is disconnected
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have 4 federal student loans with XXXX. After XXXX updated their new website, they have failed to report accurate payment history to the three credit bureaus by either stating they have no records of my XX/XX/year> payment for all 4 student loans or advising that one of my student loans has been closed. This has affected and lowered my credit scores for all XXXX credit bureaus.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Sunbit, Inc. (GA)

I am formally requesting the deletion of these unauthorized items from my credit report. It is imperative that these inaccuracies are rectified as soon as possible, as they are having a detrimental effect on my creditworthiness. Please consider this letter as my third attempt to resolve this matter. I urge you to take immediate action to investigate and remove these discrepancies from my credit report. I am willing to cooperate fully with any investigation conducted by your organization or by the Federal Trade Commission ( FTC ) to resolve this issue promptly. I trust that you will handle this matter with the urgency it deserves and provide me with confirmation of the actions taken to rectify these errors.