davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA (NJ)

Filed for bankruptcy in XX/XX/2022. Was granted a complete discharge of debt in XX/XX/2022. Eight months later, a whopping 240 days after the discharge, I am still met with problems with Apple/Goldman Sachs . I originally had a card with them, that has been closed for over a year now. My bankruptcy discharged my debt with them, and the subsequently, the account was closed. After trying on three separate ocassions to rebuild my credit and apply for a new card, they refuse to accept or provide a decision on the application because I have an existing/open account with them. This is extremely predatory and violates discrimination laws. They purposely wont accept my application because my debt was discharged with them, and they are annoyed that they can not harass me about it anymore. I have been working very hard to be responsible with my spending, and attempt to fix my credit. No matter what I do, how long I wait, or who I talk to, Apple/Goldman Sachs says there is nothing they can do, despite Apple employees named XXXX XXXX and XXXX XXXX XXXX who insisted that they would fix the problem, but they havent. This is a never-ending problem that can simply be fixed, which would be to allow my applications for credit to be processed normally ( like everyone else ) but they refuse to let me sign up for another account ever again. Barring me from the application process based on my financial status is a violation of federal law, and I will take immediate legal action, should this not be addressed and solved. Thank you.
Consumer complaint received 2018-04-29
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was experiencing hardship ( was out of work ) and I made an arrangement/hardship payment with Capital One Auto. I purchased this car in 2012 and am still making payments on this vehicle. I went to apply for a loan and I was denied because the loan officer stated that I am currently behind with Capital One. This is not true.I have several blemishes on my credit report from Capital One stating that I have not made a payment. I want these late payments removed. 

Capital One partnered with a dealership that is not a well rated dealership. I went through XXXX XXXX XXXX before reading reviews about them. They sold me a lemon and used Capital One to finance this lemon. It has never taken me 6 years to pay off a {$16000.00} loan. According to Capital One, I still owe {$6700.00}. This seems a bit excessive. 

I am asking that these late pays be removed immediately. 

My account number is XXXX.
Consumer complaint received 2024-06-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY (IL)

I repaid my loan while under promotional period of XXXX XXXX however due to either poor accounting tracking system or pure incompetence I overpaid to avoid dealing with unpaid accrued interest, but when I submitted a request for a review of the total payment paid, I was denied without providing any detailed information on why. 
My starting balance was {$1200.00} with promotional XXXX XXXX until XX/XX/XXXX. I was late 1 DAY on one of the payments so I paid {$29.00} late fee in XX/XX/XXXX along with my payment. So here is the breakdown of my payments. 
XXXX XXXX + {$29.00} late fee : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX + late fee ( {$88.00} ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX late fee XXXX = XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX payment {$84.00} on XX/XX/XXXX Total {$530.00} + {$29.00} late fee + XXXX + {$84.00} = {$1200.00} + late fee It really doesn't take a rocket scientist to figure it out, but when it comes down to TD Bank it probably will.
Consumer complaint received 2024-06-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ACIMA CREDIT, LLC (DC)

The vendor shipped me broken and missing parts to couch. Additionally, it is documented that the vendor refuses to communicate with me going-forward. I am requesting that the vendor release me from this lease and cancel the lease given these issues.
Consumer complaint received 2023-08-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. ()

I transferred {$1100.00} from XXXX to XXXX XXXX on XXXX XX/XX/2023 using Remitly which is a financial institution based in XXXX, Washington, United States. I was notified by the company that my money has been delivered to the recipient in XXXX XXXX the same day, however, after checking with the recipient, it was confirmed that they did not receive the money in their account. I contacted the customer service like 6 times, every time I call them, they just tell me that their partner bank in the recipient country has confirmed that the money has been transferred to the recipient 's bank. I even shared the bank statements of the recipient with the company to show them that the money was never transferred to the recipient account. Company always end the call by saying that someone from their specialized team will contact me but nobody does that. Its been XXXX weeks now, I have no idea where my money is and my family in XXXX XXXX is still waiting for it as it was for some emergency purpose. I would be grateful if Someone can help me with this issue, as It was a hard earned money and its so frustrating that I have sent it XXXX weeks ago and still its not received by the recipient and the Company is least bothered and very unhelpful.
Consumer complaint received 2024-06-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (TX)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against SPRING OAKS CAPITAL SPC LLC for what I believe to be unlawful and unethical debt collection practices. Below are the details of my complaint : Debt Information : Reference Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Amount : {$19000.00} Nature of Complaint : Lack of Verification : Despite my requests, SPRING OAKS CAPITAL SPC LLC has failed to provide adequate documentation to verify the validity of the debt. 

Discrepancies in Amount : The amount claimed by SPRING OAKS CAPITAL SPC LLC differs from my records and includes unexplained fees or interest. 

Harassment : I have been contacted at inappropriate times ( early mornings and late evenings ) and subjected to aggressive or threatening language, which is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Inaccurate Reporting : SPRING OAKS CAPITAL SPC LLC has reported inaccurate information to credit bureaus, adversely affecting my credit score. 

Attempts to Resolve : I have contacted SPRING OAKS CAPITAL SPC LLC multiple times requesting verification of the debt and a breakdown of the amount claimed, but they have failed to respond appropriately. 

I have requested that SPRING OAKS CAPITAL SPC LLC cease all collection activities until the debt is properly validated, but the harassment has continued. 

Any other relevant documentation, I appreciate the CFPB 's attention to this matter and look forward to your assistance in resolving this issue.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

I Filed complaints against Equifax on XX/XX/2023 when I noticed accounts on my report that had information reporting incorrectly for 6 years after attempts to resolve the matter failed. On XX/XX/2023 I filed another complaint about retaliation for filing the previously dated complaint with the Consumer Fraud Prevention Bureau. I am still having to deal with injury to my standing as Equifax is attacking me again. Equifax claims to have confirmed the information of the account as true and gives this as the reason for harassing me but I have a contract that conflicts with their claims. Per the contract of my medically accepted discharge no new adverse information would be reported and I have already received confirmation of such process has been completed with a verified forgiveness and receipt from the IRS sent to me from the creditor as required by law. Once again this is an attempt to intimidate and damage my financial mobility and this has been going on for XXXX plus years now and I have been injured because of such.
Consumer complaint received 2023-11-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I opened an account XX/XX/2023. I was told I would have control over the account and if I needed help from a financial advisor I would be able to get that. 2 days of having the account and I tried to login again and it states that my account is disabled. Ive tried every week since then to get in contact with someone to find out why this has happened. Each phone call and email has left me with little to no information on who I could speak to regarding this issue. My money has been put into Merrill  edge and at this point I do not trust anything they say.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

On XXXX XXXX, 2024, I noticed through my Citi bank mobile app an unrecognized purchase of XXXX dlls and a withdrawal of XXXX dlls in the same transaction, being a total of XXXX dlls. 
Immediately I opened a Dispute in my bank, I reported that I had my debit card with me in my wallet and no one have access to my debit card or my Pin number, however my Debit card was Cloned and my Pin number probably recorded in an ATM, which is the only place where I use my debit card, I never do purchases or withdrawals from a store. 
A few days later I got a letter from them, saying that since de debit car was in my wallet, and no one have access to my Pin the dispute is rejected. Immediately I called them back again on XX/XX/XXXX and they ask for XXXX naturals days but until today XXXX XXXX, 2024, I didnt get news from them, so I just called them and told me again this is rejected and they said are sending me all the proofs, also they said they reject for the same reason, so Ill get the proofs soon to share to you. 
This unrecognized purchase and withdrawal were posted in XXXX  in a store called XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I need to declare that Ive never been there in my whole life, so it is impossible to get this charge while I was working in XXXX XXXX XXXX . 
I need your help to get justice and a fair solution for me.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/23 I requested a re investigation/method of verification a collection account is reporting as an open account, XXXX and reporting a past due amount collection cant not report as open nor have a past due reporting this is inaccurate reporting... 15 use 1681s 2 ( 1 ) ( d ) ..15 use 1681 2 ( 1 ) ( b )
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-06-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (VA)

I paid {$320.00} USD to send my husband in XXXX XXXX XXXX on XX/XX/XXXX via electronic transfer using World Remit 's app. As of today, XX/XX/year>, he has still not received the funds despite World Remit fraudulently marking the transaction as delivered days ago. I have contacted them several times and sent them the documentation from his bank stating that the bank has not received the funds due from the XXXX XXXX  because there has been no response from the initiating bank to verify the transfer. I have reached out to them 5 times now with no response. The agents I chatted with just keep saying that they will get back to me, but their 3rd party partner is saying they sent the money. I have chatted with them 3 times, called customer service, and sent an email with the proof from my husband 's bank to no avail. 

My husband 's bank, XXXX XXXX, provided the actual receipt from the Clearing Transactions Tracking System that showed it has not been released to the bank and has been just sitting for almost a week. I attached the transaction receipts showing the money sitting waiting to be released to the bank dated XX/XX/year> and XX/XX/year> XXXX
Consumer complaint received 2024-06-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Village Capital & Investment LLC (DE)

FOR THE MONTH OF XXXX I RECEIVED A BILL THAT MY LOAN PAYMENT WAS {$1.00} ON XXXX I PAID THAT CONFIRMATION # XXXX. CALLED IN XX/XX/XXXX TO MAKE PAYMENT WAS TOLD THAT MY MORTGAGE WAS TRANSFERED TO VILLIAGE CAPITAL AND THE MORTGAGE AMOUNT IS NOW # XXXX WHICH IS {$100.00} MORE THAN WHAT I WAS PAYING. I HAVE NOT RECEIVED ANY UPDATES TO THIS AMOUNT OR ANY NOTICE IT WAS INCREASING.
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CULLEN/FROST BANKERS, INC. (TX)

On Friday, XX/XX/ 2024, I visited Frost Bank in XXXX, Texas, to open an account. I provided my XXXX license and a utility bill as proof of my XXXX address. However, XXXX XXXX, the bank representative assisting me, stated that her XXXX, XXXX, would not accept the utility bill due to a " shut off notice '' on the statement. I offered another statement from earlier in the month, which was refused. XXXX assured me that XXXX, who was at the XXXX XXXX, would call me on Monday, XX/XX/2024. I received no call. I followed up on Thursday, XX/XX/ 2024, but again, there was no response from the XXXX. This experience highlights Frost Bank 's unprofessionalism and discriminatory practices.
Consumer complaint received 2024-06-14
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NY)

I.C. System, Inc is trying to collect what they say is XXXX debt for {$280.00}. I do not know what this debt is for. I have asked for proof but have received nothing. I filed dispute through XXXX as this same debt showed up a few years ago with a different company called XXXX XXXX XXXX. I disputed that through XXXX on XXXX XXXX XXXX and XXXX cancelled that debt because it wasn't valid. However I guess they sold the old information to I.C. System who is now trying to collect on the previously canceled debt. I have disputed this again with XXXX but they won't remove from credit report. As I mentioned above I have no idea what this {$280.00} debt is originally for, as never received anything about this from XXXX on this. We switched our cell phone service 4 or 5 years ago to XXXX  and everything was good with XXXX when we left. They wouldn't have let us keep our cell phone numbers if we were not ok with them. So I think this is a bogus attempt to collected a debt that was never valid. Also why would XXXX XXXX XXXX cancel debt if it was valid? I have asked for documentation from I.C. System but have not received anything.
Consumer complaint received 2018-04-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (NY)

I took a loan in XX/XX/2016. They said no hidden fees. But the amount deposited into my checking account was less than the amount I was expecting. They said it was processing fees. 
I see the FTC has filed a lawsuit and I want to be a part of it. I am paying interest on money that I anticipated having for my use, not sudden mysterious fees going back to Lending Club. 
Also, if you are over 15 days late but before 30 they add a late fee to THAT payment due. Most companies add to following monthly statement. So if you pay only amount you think is due and don't include the sudden late fee, then you will be 30 days late because you didnt pay enough. They are very sneaky and can ruin someone's credit with this tactic! 
Thank you.
Consumer complaint received 2024-06-14
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: I.C. System, Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX and XXXX XXXX Missouri XXXX Dear I.C. SYSTEM, INC I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri identity theft and fraud laws, specifically Missouri Revised Statutes Section 570.223. 

It has unequivocally come to my attention that I.C. SYSTEM, INC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. Missouri Revised Statutes Section 570.223 establishes clear guidelines for the protection of personal information and the severe consequences of identity theft and fraud. 

I assert with unwavering certainty that I have not provided consent for I.C. SYSTEM, INC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that I.C. SYSTEM, INC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri Revised Statutes Section 570.223. Failure to comply within the stipulated XXXX-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that I.C. SYSTEM, INC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2018-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (FL)

My credit score is good/better than most, but these guys raised my rate from 12 % on inception to over 21 % for no reason. I would see if my score has gone way down, but no it remained same or gotten better. I received NO notice of increase and would like a refund of interest paid since change.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Nelnet, Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"