davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (FL)

I applied for an Apple card a few weeks ago. Several people claim to have been approved for an apple card 6-12 months post XXXX XXXX bankruptcy so long as they did not include Goldman Sachs in there bankruptcy. 

I was declined due to recent late payments. Knowing that ive never had a single late payment in my life, I pulled my credit report. I had a wells fargo account on there that was reporting incorrectly as currently late ( this was discharged in bankruptcy over 12 months ago and had never been late ). I disputed it, and it fell off very quickly. 

So I reapplied and got declined due to bankruptcy. I was 2 days shy of my 12 month discharge date so I waited a week and now am getting a cant verify you as a decline reason You have applied a number of times and we can not verify the information you have provided at this time I called the number provided, ive been an XXXX user since the XXXX XXXX came out. I run XXXX of dollars through my apple pay each and every month, apple can verify me. When I called the number provided on the application it reads me a generic message saying please apply again.
Consumer complaint received 2024-05-22
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (KY)

I have informed the company multiple times not to call me and have told them to mark my account with a do not call. They continue to call my and the last time I told them if they did not mark my account as do not call and called me again I would be contacting the CFPB. The most recent call was today XX/XX/2024.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (LA)

I am unfamiliar with this company .... XXXX XXXX. They said I took the loan in 2018. It's a XXXX year time limit here and she said it was a small loan but also said there were XXXX payments of XXXX dollars. That says it's XXXX of the predatory loans not allowed in Louisiana due to the extremely high interest rates. I asked her to mail it to me. She said she emailed to a email address I haven't had access to in many years. She just wanted to argue when I asked what address she had and refused to answer. Yes I talked loudly to her not abusive but she wouldn't quit arguing so I could say anything. I think they have been scammer
Consumer complaint received 2024-03-25
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

I have a Home Depot credit card. My due date for XXXX was XX/XX/year>. At XXXX on XX/XX/year> I went into the store and paid with a debit card. The minimum payment due was around {$230.00} and I paid {$600.00}. I got a printed receipt of the payment and an email from Home Depot that my payment was made. As of XXXX XXXX on XX/XX/year> my payment has not been credited to my account but a late fee was charged on XX/XX/year>. I wouldn't be late until XX/XX/year>. They recently raised their interest rate to 30 % so now I've paid 2 days interest on the balance that should be {$600.00} less plus I've paid 2 days interest on the {$29.00} late fee. This has happened in the past and all they returned was the late fee, not the interest.
Consumer complaint received 2024-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (VA)

I had received 2 CashApp Cards in the mail issued in my name and did not have a CashApp account. I reached out to CashApp and I was told there was nothing they could do because I did not have an account, but was assured that my identity was not at risk. Upon receiving a third CashApp card I set up a CashApp account and contacted then and was this time told that my identity had to have been compromised for a CashApp card to have been issued in my name to my address. They told me they were going to forward this issue to the proper group within CashApp and I would receive an email and when I asked how I would be kept informed I was told there was a process that could not be clearly explained. When I asked to speak to a supervisor I was told that the supervisor choose not to speak with me but I would be reached out to by email immediately. I then received an email that told me I have to start the process again through the app. I am on hold a the moment as they try to figure out what to tell me. I also verified my identity in holes that no more cards would be issued in my name and was told that having a verified identity does not prevent others from requesting cards in my name using my address.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (MD)

On XXXX a letter, FTC Report, and a XXXX XXXX Identity Theft Police Report was mailed to Best Buy via certified mail return receipt. Certified Return Receipt was signed and dated by Best Buy on XXXX. Best Buy has Not responded to my Identity Theft filing with them. Pursue FCRA 605B 15 USC 1681C-1 of Identity Theft Best Buy must Delete and Remove their account from my XXXX credit report. Best Buy continues to violate my rights. Best Buy has been ignoring my complaints to them via through XXXX and via through me directly. To be in accordance and in compliance with the Fair Credit Reporting Act ( FCRA ) Best Buy must contact XXXX to Delete and Remove their Fraudulent and Identity Account from my XXXX credit report/file.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received my XXXX XXXX report and Capital One 360 has violated my privacy rights by reporting personal transactions to my XXXX XXXX report. My checking agreement states that they would not sell are give my information to any 3rd party affiliates and XXXX XXXX XXXX is not a part of XXXX XXXX. I counted 44 transactions reported and that's 44 violations that I ' am seeking damages. My account # XXXX
Consumer complaint received 2024-03-23
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/year>, XXXX XXXX XXXX XXXX XXXX  charged my Chase M/C credit card without my authorization. The charge was made in the form of " Cramming '', defined by FCC. 

Around XXXX XXXX, I contacted XXXX XXXX XXXX  in order to resolve the problem. However, I received run-arounds. Thus, the next day I decided to file a dispute online with Chase M/C credit card. However, filing disputes online was not available and the website instructed to call the Chase M/C dispute department.

When, I called the dispute department, they treated me like I was a criminal, asking various questions to mislead me to acknowledge that the charges in dispute were legitimate. I disagreed and filed the disputes anyway.

The next day, I received few phone calls from Chase M/C representative . They informed me that the charges in dispute were legitimate. When I strongly disagreed, the representative hang up on me and closed the dispute against my favor..
Consumer complaint received 2024-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (IL)

I have dealt with problems from the time this company was Ocwen, then renamed to PHH after multiple states filed suit and cease and desist against Ocwen. Now the same scam. I submit the correct paperwork required to obtain a modification, then I receive an email months later stating that I missed my trial payment. 
Problem is I never receive the modification paperwork to proceed or submit payment to begin with. 
I explained this multiple times to the person who is supposed to be the relationship manager. Only to have them either not respond or respond with incorrect information. Then simply state they are sorry for the confusion and there is no option for modification. 
When they are supposed to be helping me and I explained the fact that I never received XXXX  for the modification they said I had in the first place. 
This is the same scam that Ocwen pulled over and over to attempt to avoid me having an option to keep my home.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Contemporary Information Corp (MA)

I am a victim of identity theft. I have an incorrect address on my tenant screening report that I've never lived at before. XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. There is showing a rental balance. I have filed a report for identity theft and have already contacted the company, I did not receive a response. I also filed a police report. I am requesting for this to be removed from my tenant report. If is not removed I will sue for, as this is negatively impacting my credit. The tenant obtained this apartment with my identity as well as false documents to obtain the lease. The landlord did not properly investigate and research before lending this apartment out to the tenant which is extremely negligent. This could have been prevented had the landlord properly reviewed the documentation. If not removed I will sue for negligence.
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (VA)

Syncrony and Care credit and Lowes are now charging {$2.00} a month for a paper statement WHY? I should not be penalized to request a paper statement when NO credit card company has gone out of business that I know of.What if I didnt have a computer to get the statement?
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (CA)

this card was open online, and to a po box address no id was sent no verification was done but they still want to say its mines do to payments were made, thats the point fraud shammers how can i be held liable for something that was opened online, and another state
Consumer complaint received 2024-02-04
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: Experian Information Solutions Inc. (FL)

I have formally requested Experian to conduct a thorough investigation into the account they've included in my credit report. Despite making this request on at least three occasions, Experian consistently responds by asserting, " Account meets FDCPA requirements. '' However, they neglect to carry out a genuine investigation, as evidenced by the fact that if such an investigation were truly conducted, the account in question would be expunged. I have evidence to support my claim!
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (IL)

This is my refilling complaint to 1STPROGRESSXXXX for making no move to address furthermore, eliminate the deceitful records that is as yet thought about my credit report and proceed to harm my standing. I conveyed correspondence letters and protests to them a few times, yet until this time no further move has been made. I have appended my FTC report with report number XXXX. I was expecting that they would report exact data on my record yet it appears they are not.
Consumer complaint received 2023-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (IL)

No idea of this account. Address on report is the complex next door to my old residence. Never stayed there. Never been evicted. This is Fraud. Original creditor XXXX XXXX XXXX XXXX. Debt sold to XXXX XXXXXXXX XXXX  for XXXX. This address and debt is unbeknownst not mine. Ive already disputed this account with XXXX. Also XXXX XXXX account that I never had and XXXX Also. I have never had a fancy phone. Always a government phone. I am on food stamps. I can not afford these phones that are thousands of dollars. I live in a government subsidy. I was just homeless and lost all my identification within the last 2 3 years and thats when all the fraud started. XXXX XXXX XXXX is {$2600.00} already disputed and police reports made. XXXX XXXX {$1200.00} disputed and police report made.
Consumer complaint received 2018-02-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

I bought my home XX/XX/XXXX for the amount of {$220000.00}. The home was appraised closing with a value of {$260000.00} at closing. When purchasing the home I did not provide a downpayment in the amount of 20 % of the home value, therefore I had to purchase private mortgage insurance ( P.M.I. ) on the home until 20 % of the home value was paid off. 20 % of {$260000.00} is {$53000.00}. This means I would have to owe ( $ XXXX- {$53000.00} ) {$210000.00} or less for the P.M.I. to be taken off of my monthly mortgage payments. According to law, the lender should take the P.M.I. off of my loan once the 20 % is met. At the time of closing my borrower did not provide me a PMI disclosure form to identify when the 20 % mark would be met. 

When closing on my home my loan was thru XXXX XXXX XXXX, for the past 5+ years my loan was taken over by Wells Fargo Home Mortgage and they are my current lenders. I have never missed or been late on a mortgage payment. 

In XX/XX/XXXX I reached the 20 % mark on the value of my home. Starting XX/XX/XXXX I have owed {$210000.00} or less on my home. As of XX/XX/XXXX I owe {$190000.00}, this is far beyond owning 80 % or less of my home value. 

I have reached out to Wells Fargo to have the PMI removed from my mortgage payments, but they refuse. Wells Fargo has stated that I must pay off 22 % of the " loan '' before PMI can be taken off, and that the 20 % is not based on the value of the home at closing. 

It was never identified to me at closing that the 20 % was based the " value of the loan '' and not the appraised value of the home at closing. This information is new to me and in XX/XX/XXXX I do not believe this was the agreement at closing. I would like to receive some evidence that I agreed to an otherwise condition against having the PMI be based on the value of the home at closing.
Consumer complaint received 2023-12-07
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 2024-03-04
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: EQUIFAX, INC. (MA)

Dear Equifax Data Breach Settlement Administrator, I hope this email finds you well. I am writing to express my grave concern and to seek immediate resolution regarding my claim ( Ticket # XXXX ), which is a direct result of the significant impact I have suffered from the Equifax data breach. 

To encapsulate the situation, my personal information was severely compromised in the breach, leading to identity theft and the unauthorized opening of accounts in my name across various financial institutions. This has been a distressing experience, with profound implications for my financial stability and peace of mind. 

On XX/XX/XXXX, I received an update on my claim, indicating that a deficiency notice had been sent to me on XX/XX/XXXX. I want to clarify that I have been diligent in my efforts to address any deficiencies as per the instructions provided. If there has been any oversight or misunderstanding in this process, it was not for lack of action on my part. 

Furthermore, on XX/XX/XXXX, I received another email suggesting that I did not respond to the Incomplete Claim Notice by the deadline. This is perplexing and disconcerting as I have conscientiously provided all the necessary documentation and information required to prove my class membership and to rectify any deficiencies in my claim. 

I am deeply troubled by the implication that I have not complied with the process when, in fact, I have adhered to every step as instructed. It seems as though there is a disconnect that is preventing the proper processing of my claim, and it is critically important that this matter is rectified promptly. 

I am reaching out to you in good faith with the expectation that Equifax will honor its commitment to assist those affected by the breach. As such, I am requesting a thorough review of my case and a clear explanation of any discrepancies that may have arisen during the processing of my claim. Additionally, if there is any further information or additional steps required from my side, please communicate this with detailed instructions so that I can comply without delay. 

Given the seriousness of this issue and its impact on my life, I would appreciate a prompt and direct response to this email. I am eager to resolve this matter and move forward with the necessary support from Equifax. 

Thank you for your immediate attention to this urgent matter. I look forward to your swift response. 

Warm regards, XXXX XXXX XXXX
Consumer complaint received 2023-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (FL)

The original transaction was XX/XX/XXXX that wasnt me I disputed the charge with chime after a couple weeks they denied it and sent a email that I had to wait 10 business days for them to get the documents together to show why they denied my dispute. I have constantly emailed them I finally got 1 response they said I would get it no later than XX/XX/ and thats the last response I would get back from them. Still havent received anything else
Consumer complaint received 2023-01-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Revco Management, LLC (NE)

PRIOR COMPLAINT- XXXX Please see previous complaint. This company said they are no longer collecting this debt and to call the provider. The provider says to call the debt collector. They now garnished my wages with no notice of any court hearing and all the while I still never received any items I requested or had the opportunity to go to court to dispute. Payment arrangements were coerced and payments were being auto deducted until they said they are no longer collecting. THEY stopped deducting payments! The garnishment order does not have XXXX phone number but goes to an attorney office. Are they an attorney or a collection agency or one in the same? They have over XXXX complaints with the BBB for very deceptive collection practices. They need to be investigated. I have called repeatedly, had electronic payments being taken, asked over and over for detailed bills and detailed payment receipts. No response or answers are ever provided.
Consumer complaint received 2015-10-29
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: NPS GROUP (KS)

NPS, XXXX XXXX XXXX, continues to contact my cell phone. I have spoken with them once, whereas they refused to provide me with any information about who they were collecting for, but told me if I did n't send them {$4000.00}, I would be served with papers the following day. They would not verify the name of the credit or provide me with any information that this was a valid debt. I sent them a letter asking them to verify the debt and also to cease communications with me and anyone associated with me. I have not received verification of the debt and they have continued to call. Today, they called my office and when I told them I could not speak to them at work, they said " Find, we will contact your Human Resources and start garnishing your paycheck. '' They did then call my Human Resources but then hung up on them.