davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. (MI)

I sent wriiten notice saying : 'Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove  : Company will not reply back to me..
Consumer complaint received 2017-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (IL)

XXXX   XXXX  I applied for a secured credit card  ( S ecured  Visa ) with US Ba nk. This secured card is specifically marketed to individuals with less than average or poor credit to assist them with improving thei r credit score.  As with most secured cards, applicants must transfer/provide the full amount of their credit line as a deposit for the card.      XXXX / XXXX /  XXXX   : I received notice from USBank stating that my application was not approved at this time due to " Your debt to income ratio exceeds established maximum guidelines. The total monthly income amount recorded on your app was {$2500.00}. The monthly housing payment recorded on your application was {$0.00} ''.     The notice further states for me to call them if my housing payment is not accurate.     My complaint is as follow  s : 1. The notice suggests I was denied for not having a monthly housing expense, which is unfair considering the home I live in is paid off and I live with my mother.
2. Any individual with poor credit will have a high debt to income ratio which is why such individuals apply for secured cards. Therefore, this particular card should not exclusively use credit as a factor.
3. I called US Bank 's customer service line and spoke with an unfriendly representative. She stated that ratio guidelines were set by the federal government. I then asked her what was the maximum according to those guidelines and she responded that the information was confidential. Confidential federal guidelines?
4. If delinquent accounts or poor credit history is a factor, credit companies ALWAYS state so as the reason for the denial. That was not the case with this application, leading me to believe that there are other biased factors that may contribute to the denial of a SECURED card requiring full deposit of the credit limit requested and may require federal investigation.
5. Whether US Bank uses federal guidelines or their own, that is critical information that should be provided to any consumer requesting approval, especially if the consumer is suffering from poor credit and specifically seeking to restore such credit. The hard inquiry also means a point reduction in credit score making any preventable denial a disservice to the consumer.
6. US Bank had internally decided to discontinue the card prior to the denial of my application. I believe this to be the real reason my application was denied. The card is also no longer being offered.
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX XXXX credit card ( XXXX XXXX ). was transferred and bought by portfolio recovery associates LLC phone # XXXX- XXXX XXXX to verify paid and settled in full. It was showed as a paid and settled account on XX/XX/18 but on XX/XX/18 they took paid charge off. Off the comments. Its not in dispute other then the dispute should say paid charge off. Settled and paid in full thx. XXXX XXXX
Consumer complaint received 2023-01-04
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. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (WA)

This debt was paid on   X/XX/2016    . We have provided bank records with explicit description of payment to   Central Credit Services-   CHECKCARD  XXXX    CENTRAL CREDIT SERVICES    XXXX  MO, {$420.00}.      Central Credit Services-  specifically,  XXXX   XXXX   ,  Chief Compliance Officer- received our documentation and responded by telling me they could not locate the payment that my bank records show as paid to them. I called in response and  XXXX   XXXX  - c ollections supervisor- told me I must call with a banker online to give them an authorization number. We called multiple times with banker online and the calls were not answered nor were the voice mails returned. I had my banker deploy a 'tracer ' on payment and email results to email address requested by  XXXX   XXXX  . I have heard nothing in response.
Consumer complaint received 2017-05-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

C F P B The initial incident happened with  XXXX   XXXX ,   XX/XX/XXXX  the y issued me an " Interest Only Mortgage '' based on the monies I had invested with them. They (  XXXX  ) put 40 % of the initial value of my condominium  (  {$140000.00 } ),  10 Year -- Interest Only -- 6 % ( locked in   XX/XX/XXXX   ) (  XXXX  ) ( {$450.00} -- Ap p. Fee ( Returnable @ settlement ) {$56000.00} in an escrow account. With that account I could invest in Grade " A '' Stocks and Bonds, and put the proceeds in a Money Market Account, where my mortgage ( at the rate of 5875 % ) would be paid out of. I also added to that account the rest of my estate to a total of {$72000.00}. After 5 years ( and a crash in the market, where I could not transfer my monies out of the stocks and Bonds account fast enough with out getting permission from the Mortgage Dept. ( by that time my investment had declined approx. 50 % ). When my account fell below {$25000.00}, I was   contacted by   XXXX   XXXX   of   XXXX    XX/XX/XXXX  (   XXXX   XXXX   XXXX   XXXX   XXXX   Department and told not to make any more payments, so I could qualify for a HAMP by  XX/XX/XXXX .      1 )    XXXX    (   XXXX  )  Modification Request    XX/XX/XXXX   denied ( reason-Estimated value of condo was wrongly estimated at {$360000.00} not {$200000.00} its actual worth.      2 )   XXXX  (  XXXX  ) Modification Request   XXXX   denied no reason given.      XXXX   XXXX  sold Mortgage to  XXXX   3  ) OCWEN Modification Request   XX/XX/XXXX   -  XXXX   XXXX  of  XXXX   XXXX   XXXX   XXXX  denied ; reason (  XXXX  does not allow Modifications  4  ) OCWEN Modification Request  XX/XX/XXXX  - Ocwen Account Specialist,  XXXX   XXXX  recommended Modification  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   denied  ; reason (  XXXX  does not allow Modifications  5  )  OCWEN HAMP   XX/XX/XXXX   Ocwen  Attorney  XXXX   XXXX  recommended HAMP  XXXX   XXXX   XXXX   XXXX  ,  XXXX . of  XXXX ,  XXXX ,  XXXX   XXXX   XXXX ,  XXXX   (  ATTORNEYS AT LAW ) denied ; reason (  XXXX  does not allow Modifications 6 ) OCWEN Modification  XX/XX/XXXX  Ocwen Attorney recommended HAMP w/  XXXX   XXXX   XXXX   ,   XXXX . of  XXXX ,  XXXX ,  XXXX   XXXX   XXXX ,  XXXX   ( A TTORNEYS AT LAW ), Ocwen recommended to contact HUD APPROVED HOUSING COIUNSELING (  XXXX  ). Contacted  XXXX   XXXX , at  XXXX  regarding scheduled Sheriff Sale on   XX/XX/XXXX  , He researched and  XXXX  does do Modifications.
Consumer complaint received 2024-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

I have XXXX loans of varying interest rates through EdFinancial. On XXXX XXXX, XXXX, I refinanced my student loan through XXXX. A payment of {$31000.00} was paid on XX/XX/XXXX ( the complete balance of all loans ). After it was credited to my account, I found out it was only applied to XXXX loan ( XXXX XXXX XXXX - XXXX ), leaving me with a balance of {$26000.00} still owed across the XXXX remaining loans. Additionally, on XXXX XXXX, EdFinancial took {$140.00} from my bank account as they believed I still owed them a monthly payment. I've repeatedly called EdFinancial to explain the situation and to ask them to a ) apply the payment of {$31000.00} to all XXXX remaining loans ; and b ) to refund me the {$140.00}. I have called every month since XXXX, and I called twice in XXXX, and each time, they say they are working to process the payment. It's now been almost XXXX months, and my account is still saying I am past due in payment, and it's also reflected on my credit report. But each time I call, they refuse me anything in writing to confirm they are processing, and I'm now also on the line for a monthly payment to XXXX. Please note, I have XXXX recording of me calling someone at EdFinancial in which they explain I " don't have to worry '' and that the payment will be applied. That was said in XXXX... 

On Tuesday, XX/XX/XXXX, I called once again to see what the status of my account is since it was still saying XXXX XXXX. The woman I spoke to said I needed to provide proof of payment. I said, Well, if you look on my account record, it shows a payment of {$31000.00}. And she replied, We need a bank statement showing that the amount actually came out of your bank account. I said, Well, the loan was refinanced by XXXX, so I cant show you my bank statement showing I made the payment. And she said that until I could prove that I made the payment, she cant help me.
Consumer complaint received 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I requested my credit reports in the mail. Upon looking at all XXXX, the months of XX/XX/XXXX and XX/XX/XXXX has not been updated accordingly for Texas Attorney General. Also, this account is paid as agreed and not late. This negative remark is affecting my credit worthiness and my livelihood.
Consumer complaint received 2017-05-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (LA)

I signed the lease   XXXX   XXXX   XXXX   I looked at the apartment it was not ready to move in, I was assured that all the issues would be taking care of ASAP. She call me   XXXX   XXXX   XXXX   said that they would be painting the apartment and taking care of the filter and the door. I just back every day and every day they assure me it will be taken care of the next day. On   XXXX   XXXX   XXXX  , I send a notice to vacate because the  apt was  not ready for me to move in. I returned all keys and parking passes. I never received a copy of the lease and every time  XXXX   XXXX   XXXX  went to sign the lease the property manager was not there.   On   XXXX   XXXX   XXXX  , I get a called from the property  manager  stated that I was being evicted for non-payment of rent. I explain to her that I did not live there and sent her all the documents and email her and ask to take care of this.   Then on   XXXX   XXXX   a collection show up on my credit reports from FAIR COLLECTIONS AND OUT  XXXX   XXXX   XXXX   XXXX   XXXX , MD  XXXX  (  XXXX  )  XXXX  {$4900.00} I contact the company sent all my information. Then they just sent me an email stating that the property manager stated that I did not notify them until   XXXX   XXXX   XXXX  , which you can see was not true.
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Plus Inc (NJ)

22 hard inquires on my credit report, i did not look for these multiple online inquires. 
all these are too much on my credit report. also i only have one open account it is showing multiple open accounts and i have paid everything in collections.
Consumer complaint received 2019-08-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

BEST BUY is the only company I ever heard of that has no grace period. In the past I have sent my payments in in a timely manner, but they have a delayed time in processing these payments. I send all my bills in at the same time an BEST BUY is the only company to charge late payments and fees.I tried calling to understand their method of posting but do not get any satisfaction. I was so upset by their method that I wrote a check to pay off the ENTIRE balance to be done with them. I sent this on XX/XX/XXXX and it was processed on XX/XX/XXXX. ( I of course was not charged fees on this ), SIX DAYS this is a perfect example of how long it takes them to process payments. Someone needs to take a look at their money making scheme.
Consumer complaint received 2019-08-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Forster & Garbus LLP (NY)

MY WAGES WERE GARNISHED BY FOSTER AND GARBUS. I WAS UNAWARE OF THE DEBT AS I WAS NEVER SERVED NOR DID GET ANY NOTIFICATION OF A DEBT. I UPDATED ALL MY INFORMATION WITH NYS AND I PROVIDED PROOF OF SUCH. I WAS NEVER NOTIFIED OF A DEBT TO SETTLE OR PAY. FOSTER AND GARBUS FAILED TO CONTACT ME AND FAILED TO EXPLAIN THE PROCESS. I WAS TOLD I NEEDED TO PROVIDE INFORMATION AND I DID. I WAS NOTHING BUT COOPERATIVE. THE AMOUNT AGREED ON WHICH WAS NOT A SETTLEMENT BUT FULL PAYMENT AS THEY DENIED A SETTLEMENT WAS SATISFIED AND THEY CONTINUED TO GARNISH MY CHECK. THEY REFUSED TO STOP GARNISHMENT EVEN AFTER JUDGEMENT WAS SATISFIED.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX I informed XXXX XXXX that they were not authorized to charge my debit card and I also placed a stop charge on my debit card with Wells Fargo. On XX/XX/XXXX, I saw that despite informing XXXX XXXX  that they were not authorized to charge the card and Wells Fargo being informed that they were not to permit the charge to go through, the charge went through. The service had already been cancelled. The amount charged was {$2300.00}. I filed a complaint with Wells Fargo. I provided them with documentation where I had revoked the authorization of XXXX XXXX to charge my card. On XX/XX/XXXX I was informed that their investigation found that there was no error in the charge and that they would be revoking the provisional credit. I also had provided documentation to Wells Fargo showing I had told XXXX XXXX that they were not to charge my card.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-07
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: EQUIFAX, INC. (NY)

I contacted your office after I ordered a credit report with XXXX XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with the accounts listed below, so please help me remove this charge off including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX  XXXX XXXX
Consumer complaint received 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Tower Loan of Mississippi, Inc. (LA)

After viewing my credit profile i realized  Tower Loan System  placed a inquiry on   XXXX   XXXX   that I had no knowlege of. I contacted them on several occasions asking for copies of the signed documents and identification used on my behalf . Tower Loan  never responded which clearly violated " FCRA ' ' 609 ( e ) ( 15 U.S.C. sec1681g ( e ).
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MI)

Synchrony Bank accepts fraudulent information, they do not verify identity, or they're downright fraudulent on purpose. Someone is trying to open a credit card in my name and it's not me. The bank they are trying to open a card in my name through is called Synchrony Bank. The address listed for the bank is ; XXXX XXXX XXXX, XXXX XXXX XXXX. Another address listed is ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The phone number they have listed is XXXX. I DID NOT give this company permission to send me anything nor have I applied for a credit card. They have my credit score listed in the letter which I did not authorize them to look up. I don't know if the company is trying to scam me or if someone is trying to do a credit card scam through this company in my name, but I need them to not be allowed to open a credit card in my name. I am very concerned as my ex-step-dad used to do credit card fraud using my name before I turned XXXX  and I am concerned this may be what is happening again. I am VERY concerned that this is happening and would greatly appreciate if the criminal responsible is at least forced to stop, or even better, charged with the crime of fraud because that is what they're trying to do. Also, it's pretty suspicious that Synchrony Bank would even allow this to happen without verifying the persons identity.
Consumer complaint received 2017-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

Access to my  Chase   XXXX   XXXX   XXXX   Visa  Credit Card was suddenly and without any explanation stopped. I can no longer use the card anywhere. I always pay my balance in full and have no account balance, no late payments no balance due. I have not even come close to my maximum credit limit at any time during the use of this card. I have not been traveling and have not used the card in any usual wa y ( no large purchases of strange things/ no large internet purchases ). I have not changed any of the account information ( no address, phone, payment or any contact information changes ). Chase refuses to provide an explanation as to why they have frozen the account. I have another Chase Visa card which is working just fine, my Chase Sapphire Reserve Visa C redit Card. I use this card in almost exactly the same way, in the same places, and for the same items that I use the ot her Chase card for. In the past I simply used them interchangeably, so to speak. Chase is acting in an arbitrary if not illegal fashion in regard to my accounts. Please if you coul d get them to apologize and reinstate the account I would appreciate it.
Consumer complaint received 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

Online I temporarily lifted my credit freeze with Experian from early  XXXX  to  XXXX   XXXX ,  2017 . I am moving to  XXXX   XXXX  and I need to allow landlords to run credit checks as I search for apartments. Since I did n't know how long the process would take, I requested a lift for the maximum period of time. Now, I want to restore the freeze since I have found an apartment. Both  XXXX  and  XXXX  conveniently allowed me to restore the freeze online. Only Experian will not allow me to now cancel my credit freeze lift. I tried first online and could n't do it. Then, I called Experian  (   XXXX   XXXX   XXXX  ) and was told the original credit freeze lift had to stay on until it expired. This arbitrary behavior is uncalled for and actually increases my exposure to credit fraud. Please look into this issue.
Consumer complaint received 2017-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

OK. I have had my  CITI AAdvantage card for 2 years. W hen the annual fee was charged, I called  XXXX   XXXX  and asked if I can have any retention bonuses. I was told if I spent {$95.00} or more, I will have credit of {$95.00}. So I spent over {$95.00} immediately after call and finished my spending for a couple days. I called twice, but they told me I will get it and it usually takes time. I belived. When I call ed two day s ago again, now they told me I did not meet minimum spending requirement.. Because I need to wait for a couple of days in order for them to put in to the system ... But I did not hear about it during my first call. Also then why did they tell me during my previo us two calls? They told me they will check recordings, so I said please go ahead to check them . I com plained that I do not want to spend my time and effort and was told by CITI staff that we also did not want to spend it to you. What makes mt pissed off is that this is the second time.. Last year CITI told me that they will provide a bonus point if I keep the card. So I did, but later    they told me no one said that and no record. I insisted to check recordings and finally they agreed to give me points. I hope the service gets better. It is not just money, but trust between customers and banks. Hope they find it and sorry about it.