davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-01
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 (TX)

Dear XXXX This is a complaint about Goldman Sachs credit cards fraudulent transaction. They claimed that they have resolved a dispute that I filed on a purchase from XXXX, but they did not actually pay me the credit that they promised. Here are the details of the transaction and the dispute : {$130.00} XXXX XX/XX/XXXX, XXXX Dispute Approved The dispute filed on this transaction has been approved. Refer to your dispute status email for additional information. 

Disputed Transaction Dispute case number : XXXX Transaction date : XX/XX/XXXX Merchant name : XXXX Disputed amount : {$250.00} Credited amount : {$250.00} However, I did not receive this amount in my account, and I have contacted Apple Card several times with no success. I strongly suspect that Goldman Sachs credit card is cheating consumers and embezzling these funds. I urge the authorities to intervene and stop this shameful behavior. 
XXXX
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the itemsXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-01-02
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: TRANSWORLD SYSTEMS INC (VA)

I Disputed this account with XXXX and it came back verified. This is not my account so it could not come back as Verified. I have no knowledge of an account with Transworld Systems Inc
Consumer complaint received 2024-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NJ)

In XX/XX/XXXXXXXX  I sent a check to cover my escrow shortage for the year XXXX. At the beginning, NewRez did nothing to properly apply the payment to the escrow account although they had cashed the check. I contacted the company many times via emails and correspondence, but they never applied the payment. Then they sent me a monthly statement that showed a zero balance for XX/XX/XXXX. I noticed that, instead of applying the payment to the escrow shortage, they applied it to the regular monthly payment of XX/XX/XXXX. I contacted them again, but they never reply or correct the situation. I made a call to see if I could resolve this that way, but the person answering the call did not have a notion of what was happening. She told me I had to contact the accounting office but could not provide me with an address or phone number for that office. The case remains unresolved. I made a payment for the month of XX/XX/XXXXXXXX  anyway since the payment for escrow should be moved to the escrow account. 
I am sending to you a portion of all the information I have developed through my efforts and will provide a full packet if provided with a physical address for CFPB. 
I sincerely hope you can help this XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-01-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation (CT)

A collections account with XXXX XXXX XXXX about a Fortiva credit card for {$480.00}, that I have never owned. The account Is currently under dispute, but they continue to send me mail about an account that I have no knowledge of in an attempt to collect.
Consumer complaint received 2023-12-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (AZ)

A scheduled auto payment email came out today XXXX  at about XXXX XXXX Arizona Time about my payment being drafted and scheduled.

1 ) in the last anytime a payment is made with Apple Card/Goldman Sachs prior to auto pay drafting the auto pay is disabled when minimum due is met. Every other month this happened and this month it didnt 2 ) their customer service tells me to contact my bank to stop payment. This will result in a returned payment and negative history with the bank. I was told this exact statement before and now when I request credit line increases I am rejected. ( Rejected for a practice they told me to follow ) The payment will most likely return by the time the case escalates however it is unfair that their processes are misleading and not followed the same each time. They also should not be advising customers to contact bank to return a payment when the return negatively impacts their ability to obtain credit with said bank
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC (TX)

This is my 3rd and final notice that my right to privacy, along with the obligation of consumer reporting agencies, including XXXX, XXXX, and XXXX, to maintain strict standards for accuracy and privacy have been violated. I do not have contracts, nor did I ever give my written permission to furnish any of these accounts on my consumer report. This is fraud and I have submitted AN IDENTITY THEFT REPORT.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have lost track of the numerous letters I've sent to your bureau regarding my identity theft case, as my concerns remain unresolved. Once again, I am disputing the fraudulent information negatively impacting my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite submitting the required FTC complaint, your bureau persists in reporting these fraudulent accounts on my credit report. I want to stress that I've already contacted the banks associated with these accounts, submitted necessary documents, and had the accounts promptly removed from their records.
Consumer complaint received 2023-12-31
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I make a purchase through XXXX on XX/XX/23. One part of the order went through without any issues. The second part of the order didn't no matter how many times I tried. I used the same card. Everyone knows XXXX does not ask for security codes. It's interesting that I have a American Express prepaid card and they have no problems letting transactions go through all the time. I contacted the gift card department Friday morning and the agent said she will submit a request to have restrictions lifted. That was a lie. I called again Friday evening and the agent said the same thing and that was a lie. I called again on Saturday morning and the agent said she did not see any notes about the restrictions being lifted. Both agents said it will take 24 hours which XXXX XXXX my XXXX delivery and now I have to make two trips to pickup my order. Purely ridiculous.
Consumer complaint received 2024-01-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (WI)

Halsted Financial is trying to not only collect a debt that I do not owe, they're contacting my family members about it as well. This is a clear violation of the CFPB 's policies as I am not a minor and a violation of my family 's privacy as well as mine.
Consumer complaint received 2023-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update the suspicious information in my file, I think you have not validated these accounts in my credit report Please verify these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am writing to file a formal complaint regarding discriminatory practices I believe I encountered during my recent credit card application with Capital One. On XX/XX/2023 I was denied for a Platinum Credit Card with Capital One and after receiving their Adverse Action Letter I responding back in writing that they received on XX/XX/2023. On XX/XX/2023 I reached out to Capital One via phone call to verify the delivery of the response letter and was told they didn't receive it yet and the representative was willing to provide a second review that was ultimatley denied as well that same day. I reached out to Capital One again via phone call on XX/XX/2023 to which they still had no knowledge of my response letter and for any questions I had regarding the denial should be taking up with the credit bureau. I spoke with a supervisor by the name of XXXX and asked her may I just retract my application giving its been denied for a second time and she advised me that they must keep applications in their possession for 25 months before a retraction could be possible. Despite applying in good faith, having the capacity and creditworthiness to credit my application was still denied. This discriminatory action is a clear violation of the Equal Credit Opportunity Act ( ECOA ), which prohibits credit discrimination on the basis of protected characteristics. I am seeking an investigation into this matter to ensure that fair and equitable lending practices are upheld as per federal law. Additionally, I request appropriate action be taken against Capital One if discriminatory practices are found to be true. Ill upload my response letter and other documentation supporting my claim.
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There is an account that has the same account number and has been reported 2 times on my credit report account number # XXXX has credit limit of XXXX and reports again for XXXX and has 2 different open dates I sent letters to XXXX, Transunion and XXXX   and they still said that I was verified, but it wrong because I the open dates also the card limit
Consumer complaint received 2024-04-11
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: EQUIFAX, INC. (GA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$13000.00}
Consumer complaint received 2023-12-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (CA)

I submitted a claim here for this already, and the company falsely stated that I had to re-apply for XXXX and that I had not done so. In reality, I was already approved to be in the program this year, and i have the documentation to prove it. 

They state, and I quote : " The XXXX Plan will replace the XXXX Plan. The XXXX XXXX can significantly decrease your monthly payment amount compared to all other XXXX plans. The XXXX XXXX calculates your monthly payment based on your discretionary income and family size. Your discretionary income is the difference between your adjusted gross income ( AGI ) and 225 % of theU.S. Department of Health and Human Services Poverty Guidelineamount for your family size. '' Yet, my payment amount has not changed, ever, even after being accepted in XXXX and therefore I have been falsely mislead. My payments, due to my income and taxes should have been lowered and instead they have always remained the same. The company states they have tried to call me, and unfortunately they have called during really out of the ordinary times ONE TIME. The effort to try and reach me is needless to say insignificant and shameless. I have tried to reach them over 100 times now, and I am always on hold for hours, with no cal returned. 

Nelnet has my loans but have not been helping me at all despite my efforts. I keep trying to reach a person thru email and phone. Monthly payments have been wrongly calculated and while I was approved for XXXX and I am on a IDR my monthly payment are as high as they have ever been. Nobody picks up the phone or replies to emails and I have been trying for months. Meanwhile the payments are late because they should be half of what they are and Im accruing interest.
Consumer complaint received 2023-10-28
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. (WA)

There is inaccurate information regarding on my credit report which i have no knowledge about and never heard about it I never knew about till I had a mortgage broker who told me That while I was applying to the mortgage loan! 
Those companies are : XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

In  XXXX  of  2017, I was trying to refinance my house. Currently, my student loans through  XXXX  are on deferment. When applying to refinance, the loan company is reporting wrongly and it has majorly lowered my credit score and it is affecting me not being able to refinance. The way navient is reporting to the credit company, it is showing that I am over my limit with them and delinquent when I am not because I have permission and have taken the right steps forward in making sure I did that process correctly. Due to it showing that I am delinquent ( when i am not ) and over the amount of the loan ( over the total amount I am allowed to borrow is how I was told ), it is making it look like I am way behind on payments. I do call   XXXX   in  XXXX  2017 and they said that is how it gets reported and there is nothing they can do. They have  also not worked with my to try to lower the amount I owe per month and it could cause me to lose my house because I ca n't get a lower payment and I now ca n't refinance my house because of how it is being reported to the credit company.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (IL)

I tried to reach out to the companies and they continue to give me the run around and send me to different people that can never give me a definite answer or help me. Then the addresses and phone numbers that are on my credit report are not mine nor the excessive amount of phone numbers that show up on my report.
Consumer complaint received 2023-12-29
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BCG Equities, LLC (WI)

I originally got the letter about the debt being sent to BCG Equities on XX/XX/XXXX XXXX  they have had the account since XXXX. I called them on XX/XX/XXXX for the first time, and they were closed. Called again on the XXXX and requested information regarding the debt since it was something I wasn't familiar with and was unsure about the balance and was told it was going to be emailed to me but I never received anything. I called again on XX/XX/XXXX and left a voicemail, and again on XX/XX/XXXX and left a voicemail. I found out that they were suing me as of XX/XX/XXXX. I FINALLY got ahold of someone on XX/XX/XXXX and even though it was their fault I was told I would have to pay the additional expenses since they sent it to court. I set up my payments and have been paying them $ XXXX. I even got an email from a XXXX apologizing for the delay including the document I requested almost 2 months prior. ( I have a copy of this email. ) Since then, as of XX/XX/XXXX, my payment wasn't attempted to be processed until XX/XX/XXXX due to the weekend which is understandable. My payment didn't go through for whatever reason, but I just had to move money from savings to checking and call and have them re-process. They called me for this. I was traveling and missed their call but tried calling several times on XX/XX/XXXX and left a voicemail. I finally was able to talk to someone on XX/XX/XXXX- XXXX, who wasn't even in the collection department, who took my XXXX payment. For the record, she specifically says the voicemails get routed to the collections XXXX for them to call back. I dont think I have ever gotten a callback since having to deal with this company. She also told me via email my payments are still set for automatic withdrawal even though the stipulation is broken. I have been calling to try to pay the remaining balance off and I have left numerous voicemails with no luck. I am not paying any additional court fees. I have been trying to get ahold of this company and have proof that I have been doing so since XXXX. All I want to do is pay the remaining {$360.00} of the original Stipulated amount agreed on. I have already paid {$1700.00} since XX/XX/2023.
Consumer complaint received 2023-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (CA)

In XX/XX/XXXX I applied for the XXXX  repayment plan for my direct student loans through studentaid.gov. My servicer is now Nelnet. I didn't get a response on the decision until XX/XX/XXXX with a letter stating my IDR was approved and I should be placed on the XXXX XXXX beginning XX/XX/XXXX. This did not happen. Nelnet instead placed my direct loans into an Income Contingent repayment ( XXXX  ) plan without my consent or knowledge. I emailed Nelnet twice asking for a correction after I discovered this and was told on XX/XX/XXXX that yes, I was approved for XXXX and XXXX would reprocess my XXXX  application. On XX/XX/XXXX I called to check the status and was told they were still working on it since it would take up to 30 days. I was told once it was reprocessed, the XXXX plan would be retroactively effective XX/XX/XXXX and any interest accrued would be adjusted. I received no communication from Nelnet and no changes were made to my loans, so I called them on XX/XX/XXXX. There was alot of confusion as to what had been done to my IDR application and it was discovered that my original XXXX approval had been canceled and I was then put on the XXXX plan. No explanation was given for why this happened and Nelnet would not reinstate the XXXX plan I had been approved for back in XXXX. I confirm the info on my original XXXX  application and was told they would process it again but not with the XX/XX/XXXX start date. They offered no other solution to me and said it would take at least XXXX weeks to process again. Meanwhile interest continues to accrue on my loans at an incorrect rate because they are still in the XXXX plan that I did not request or consent to,
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I acknowledge that as per FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, and this is causing me concern.
Consumer complaint received 2023-12-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aqua Finance, Inc. (CA)

I purchased a water softner system, that was bait and switch, the contract was for {$3000.00}, and Agua finance states it is {$8000.00}, I set up auto pay with them in the beginning, and have not changed anything, when I went to pay it off in XXXX of this year I was told I had missed payments, which is not true, I have my bank statements showing auto pay, I was told by their customer service out of XXXX  that they had changed the way they collected the auto pay ( in fact they changed it XXXX  in XXXX  ), I told them that they needed to retrieve my money, ( find it ), and fix their problem. The customer service person told me it was my problem, not theirs, and that he had the power to ruin my credit, and I told him I would get a lawyer, he then told me to go to XXXX, and said that as I was talking to him he ruined my credit. I was bait and switched, lied to, and defrauded by this company, they have ruined my credit, and frankly they are corrupt, and are being able to defraud thousands of people ... .where is consumer protection. My brother passed away in XXXX and I need to pull equity out of my home to pay the costs, and I can't because of what Aqua finance did.