davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Attempts were made to qualify for a personal loan. The Credit Union denied my application due to derogatory and erroneous information stated on a credit report provided by Experian. Information/reasons noted, Number of accounts with delinquency ; proportion of loan balances to loan amounts is too high ; length of time revolving accounts have been established ; and too many inquiries last 12 months. 

I have NO delinquent accounts ... nor have I had a history of any delinquent payments. I have only ONE loan for a XXXX vehicle. The payment is 5 % of my monthly salary. It's a recent loan, which would justify the loan balance to loan amount ratio. However, it is a $ XXXX vehicle and the loan amount is $ XXXX. My home is paid in full. I have no other obligated payments and/or charge cards that are not paid in full at the end of each month. And I'm unsure of the validity of a high quantity of credit inquiries if they are not established loans. 

This credit rating has placed me in a bad rating category and I have tried every means possible to contact Experian for a dispute resolution. There is absolutely NO means to speak with a person. The automated system only provides on line instructions. I've contacted the credit union as well. They made every attempt to locate a number or means for resolution with Experian. They provided two phone numbers that also proved unsuccessful. Experian makes it impossible to be reached. 

I would like " SOMEONE '' at Experian to explain how the company came to the conclusion I should not receive a loan and the reasons they provided to the credit union. I've obtained a credit report from their website and there is NOTHING to indicate the information contained in the letter I received from the Credit Union to justify Experian 's reason for disapproval of my loan request. The ONLY detrimental information contained on the entire credit report consisted of ONE late payment in XXXX, which belonged on a card I did not possess. PERIOD!
Consumer complaint received 2021-03-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ARVEST BANK GROUP, INC. (CA)

They have not released my escrow refund after closing a loan over a year ago i have sent them letters and tried to call them and have sent emails. they said the sent us check number # XXXX in amount of {$1000.00}. and we never received it
Consumer complaint received 2022-12-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

To whom it my concern : I extended my credit to CAPITAL ONE for a consumer credit transaction on XX/XX/2022. I the consumer and natural person, was denied credit by CAPITAL ONE. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. I as the consumer feel as if I'm being violated under the law of 15 USC 1691 ( d ) ( 6 ) For purposes of this subsection, the term " adverse action '' means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. 
As I have proof that i was discriminated against by CAPITAL ONE due to the response I received. ( see attachments ) I also reached out to CAPITAL ONE talked to auto finance supervisor ( can provide recording upon request ) stated that only if they was able to extend credit to me then it would be considered as a consumer transactions I stated that is a violation under U.S.C 1611 because he is giving out false information willing and knowingly. He stated they only do Consumer Transactions and their decision was accurate on Capital One behalf. From my understanding the transaction that was applied was for a consumer transaction and by me using my social security number I extended my credit to myself. I feel like they also violated me of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I the consumer made an application in good faith but credit was not issued Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of CAPITAL ONE.
Consumer complaint received 2021-03-22
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Convergent Resources, Inc. (CA)

I started receiving calls from a local number claiming to be XXXX XXXX and they never left voice mails and would call twice a day. And XXXX always calls me from an XXXX and always leaves a voicemail. And i finally answered and knew right away they were fraud and were trying to get me to pay {$140.00}. I called XXXX right after and let them know and they said my account was in good standing. And I kept getting calls until i told them they had the wrong number then I got a collection bill for the same amount from Convergent Outsourcing Inc. and I looked up the company and its a scam. The whole thing is all a scam. I didn't pay them anything because I know my account it in good standing.
Consumer complaint received 2021-03-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company (AZ)

GUILD MORTGAGE CONTINUES TO IGNORE MY REQUESTS AND REFUSE TO PROVIDE ME WITH FOREBEARANCE UNDER THE CURRENT LAW WITH COVID THEY STATE THEY CALL ME OR SEND EMAILS TO WHICH THEY THEN DROP THE BALL AND CONTINUE TO REFUSE ME FOREBEARANCE WHEREBY I CAN PLACE MY MORTGAGE PAYMENTS ONTO THE BACK OF THE LOAN AS THE LAW ALLOWS
Consumer complaint received 2021-03-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (FL)

I recently send a letter to XXXX  disputed two items that was on my credit report as ( Original creditor ) with no phone number or address for the creditor. XXXX  stated that these items were verified by the creditor. I called the creditor and they stated that " they have no outstanding account with a balance. I also asked XXXX  for that creditors information in which they gave me a company called, PARAMOUNT RECOVERY SYSTEMS. I called PARAMOUNT RECOVERY SYSTEMS and they too stated that these items was verified just by my name and date of birth.
Consumer complaint received 2022-06-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (FL)

We started with thus loan in XXXX at the price of XXXX. As if to date XX/XX/XXXX we still owe XXXX, XXXX 7 years later. We have yes asked a five extensions due to covid but have been making payments of over {$400.00} a month on this vehicle and we have only had a little over XXXX dollars put towards principle. There is a problem. 
There are 24 other people that we have on a list that are going through the same issues as we are and hundreds more on Consumer reports concerning Regional Acceptance. Our Vehicle is still in the whole. Need help. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-03-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC (IL)

{$500.00} locked by Gemini.com ; Account Status in 'Pending Verification ' status forever and Gemini not allowing to Close account and refund money back ; Gemini not responding to emails ; phone call is also not allowed, just plays a message 'please send email '. 

Please help. 

Account opened and Money transfer date XX/XX/2021 ( money into Gemini ) Emails below : " '' '' '' '' '' '' '' On Mon, XX/XX/2021 at XXXX XXXX  XXXX wrote : Please complete 'verification ' of my account so I can withdraw money and further close the account. Currently, I tried following the 'answer ' from your FAQ but it DOESN'T work. It says 'pending verification '. 

You have lost 1 customer for LIFE. 

Much thanks. 



On Thu, XX/XX/2021 at XXXX XXXX  XXXX wrote XXXX Please complete 'verification ' of my account so I can withdraw money and further close the account. Currently, I tried following the 'answer ' from your FAQ but it DOESN'T work. It says 'pending verification '. 

You have lost 1 customer for LIFE. 

Much thanks. 



On Thu, XX/XX/2021 at XXXX XXXX Gemini <support@gemini.com> wrote XXXX # # - Please type your reply above this line - # # Hi there, Thanks for reaching out and apologies for the delay in response. 

The recent surge in interest in cryptocurrency has resulted in a backlog of support requests to our team. This has impacted our verification and support queries, which we are working diligently to resolve as quickly and effectively as possible. 

In an effort to help self service your inquiry, we have been actively updating our Help Center ( https : //support.gemini.com/hc/en-us ) with answers to common questions about our platform and services. 

However, if your support case has not been resolved and you still require assistance, please follow up to this automated email by replying directly to this email and an expert will be back to you as soon as possible. 

Once again, thank you for your patience and understanding. 

Onward and Upward, Gemini Customer Support On XX/XX/XXXX, XXXX XXXX, XXXX wrote : 1. Why can't I buy XXXX with my {$500.00} balance? Says, 'limit reached ' 2. Why can't I deposit more money into my account? Says, 'limit reached ' 3. Why don't I receive SMS for 2F auth?

4. What is pending with account verification? Why is it taking so long? 

If you can't resolve these ( been stuck for half a month ), please refund back my deposit and cancel my account? Very inferior customer experience, so far. 

Please escalate, expedite and pay attention. 

Much thanks. 


" " '' '' '' '' '' '' '' ''
Consumer complaint received 2022-06-02
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (CA)

I am receiving phone calls regarding this debt, claiming it is not being paid. The debt is an off-set through the treasury that has been coming out since XXXX XXXX and should complete XX/XX/XXXX. Less than half or NONE ( according to some of the calls ) have been collected. The treasury automatically pulls {$260.00} each month. I have receipts. I do not know where the money is going once it is pulled. I simply have documentation that states the money has been pulled for a debt. For this reason, I am asking the company to refrain from their phone calls as money is being pulled from my account. I am working on where it is going. If you have questions, contact the treasury or the VA.
Consumer complaint received 2021-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2022-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (WA)

Jefferson Capital Systems LLC is running a fraudulent company. They are claiming I owe XXXX XXXX {$430.00}. This is impossible considering I currently have a wireless XXXX account that I pay monthly bills for. I have contacted them and they told me I am completely up to date with my payments. If this debt was true, XXXX would have contacted me or not let me sign up with them in the beginning until I rectified this " debt ''. I have googled this " Jefferson Capital '' and there are 100 's of reviews all saying the same thing. They all state that this " company '' is inventing XXXX debts with people or they are buying very old debts and " re-aging '' them to make them look more recent, so they will not drop off people 's credit report. I am very discouraged because I have been working to build my credit and this fraudulent company is trying their best to undo my work by conducting a massive scam. This company needs to be investigated and stopped immediately.
Consumer complaint received 2021-03-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

The next day, on XX/XX/17 I go to the XXXX XXXX branch and talk with XXXX XXXX. I showed her my documents and explained my case. She agrees she sees no foul play on my part and contacts the Fraud department. After some more accusatory questions and almost 2 hours later they ask me where were you on XX/XX/XXXX? I explain Im a XXXX XXXX and I was in XXXX Texas. They stated that on that day the check was cashed and stamped on the back by XXXX XXXX. I call my mom while Im in the bank to see if anyone was in her apartment or how could this have happened since I left the check with her. After I told her this she said she thought she may have accidentally placed it in the XXXX envelope when she was trying to pay her {$9.00} bill. So I said to Ms XXXX how is that my issue or BOAs issue? I did everything correctly because the check was made out to me & my signature was on the back so why would they come 11 days after the deposit was completed and extract money from my account. Ive been a patron for over twenty years and they didnt have the decency or courtesy to extend so much as a phone call, text or email to alert me that they thought there was an issue but just took the liberty of taking my money out of my account!!!
Consumer complaint received 2021-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (AZ)

I've gotten the fraudulent accounts removed from XXXX and XXXX. But Bull City Financial Solutions in XXXX, NC keeps reporting the fraudulent utility account from XXXX XXXX on XXXX for the amount of {$160.00}. I've made disputes to the company to no avail.
Consumer complaint received 2020-04-03
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)

XXXX  XXXX is a fraudulent company first of all. They closed my account after I was late a couple of days and would not allow access to my credit limit, when I called and spoke to a XXXX  XXXX rep, however they continued to charge late fees month after month when the account was closed. XXXX XXXX sold the account to XXXX XXXX, whom i settled with and paid the account off. XXXX account was removed, but XXXX XXXX is still on my report with all the fraudulent late payments. This company preys on people that are rebuilding their credit. They never tried to reach out or help me. They just simply closed my account after I was late a couple of days and continue to charge late fees and negative payments even when the representative continued to say my account was closed.
Consumer complaint received 2021-03-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (CA)

I am submitting this complaint because I am being extremely affected by JPMCB AUTO. They are being completely unfair and I dont know how to get ahold on them but through this portal. 
I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 
First, I called the company many times was frustrating because Chase 's representatives kept me on hold, they didn't process the postponement in XXXX. 
After that, I tried many times to contact a Chase representative but I never got help from them, I didn't get any late payment notification. 
In XXXX, the website did not allow me access to do a postponement. 
My family was physically and monetarily affected by XXXX. I lived one of the worst moments of my life, I didn't want to lose any member of my family. 
We spent a lot of money due to that difficult situation, I think JPMORGAN CHASE representatives weren't ready to listen to me or take any action to help me. I will forward this complaint to California Attorney Generals office and Senator XXXX XXXX office, for violation of the CARES ACT. 
I hope top get a fair solution to this issue. ll be filing a small claims suit in XXXX XXXX XXXX next and subpoenaing all of XXXX records, if they dont remove the late remarks or the entire account 's tradeline.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Outsource Group, Inc (SC)

On XX/XX/2021 I contacted Medicredit to see if they would offer me a settlement for the {$250.00} balance that's showing on my credit report. They agreed to a settlement of {$170.00} which was paid the same day with a representative from Medicredit. 

The representative told me that my credit file would be updated to reflect the paid amount. I asked her how long does it take them to update with the credit bureaus and she then stated that unfortunately they would not be able to update my account because they are showing another balance owed for approximately {$1800.00}. 

I explained to the representative that there is nothing showing on my credit report reflecting that amount. The rep then stated to me that it does not matter if its not reflecting on my credit report all that maters is that it's reflecting in their system. I explained to her that I'm not going to pay for something that I don't owe. 

To this day nothing has been updated to my credit report, as a matter of fact they reported on XX/XX/2021 that I still owe the {$250.00}. 

I've called a few times to ask them to update my credit file and they refused.
Consumer complaint received 2021-03-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

I hired the installation of a generator in my house and signed the application form for financing when I was approved. 
When the generator was installed, and it took almost 3 years, I received the credit card, stating that I would have to pay the full amount in 18 months or would have to pay interest of 26.99 % per year, like any credit card that kind does. 
Of course, I believed that the interest would start to affect the balance and after 18 months, but that was not what happened. 
In the middle of a pandemic, after I paid {$6300.00}, the credit card applied {$5700.00} to my balance of {$8000.00} and now it will still apply the 26.99 % each month, as a result, I paid {$6300.00} for 18 months and now I will have to pay another {$5700.00} plus the balance and more interest on the total. 
I contacted the bank asking to pay the full balance without interest on XX/XX/XXXX, but they declined to receive it since payment is due on theXX/XX/XXXX of each month ( attached ). 
The refusal is not acceptable, so I think that : 1- The calculation of interest must be applied to the balance, not to the initial total amount ; 2- Interest must be charged from the end of the promotional period and can not be retracted ; 3- The modification occurred during the period beginning on XX/XX/XXXX, and ending earlier of XX/XX/XXXX, or 60 days after the end of the national emergency. 
4- Section 4013 of the CARES Act ( 15 U.S.C. 9051 ) is amended on XX/XX/XXXX in subsection ( a ) ( 1 ), by striking XX/XX/XXXX and inserting XX/XX/XXXX ; 5- I have requested all of my statements from the first to the oldest that appear on the website that dates from XX/XX/XXXX and they do not provide it to me. 

The complaint is for Syncrony Bank to withdraw the abusive interest because the change occurred during the term of the Cares Act and the amendment of XX/XX/XXXX. 

Or remove the interest on the entire amount and start charging on the balance and from the end of the promotional period. 

Provide me with all statements from XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2021-03-22
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. (NJ)

Hello good morning, I have been trying to get these few fraudulent accounts off my credit report and I reach out to the XXXX XXXX and equifax regarding this and they explained that i need an ftc report. This is affecting my credit profile really bad. Again, I am a victim of identity theft. These accounts listed are not related to any transaction done by me. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report and my driver license to help verify my identity. Thank you
Consumer complaint received 2021-03-22
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. (FL)

Good morning, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I did some research and come to find out, they are indeed 100 % unauthorized. I contacted the 3 credit bureaus regarding these accounts and they were no help at all. This is very frustrating because I keep on calling and calling and still nothing. I have also called these companies where the fraud happen and they could not verify my information. I immediately contact the FTC and explained what happen. I have attached the FTC report below along with my driver 's license.