davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (NY)

An automatic payment for full settlement was set up on my Goldman Sachs Apple Card. The payment was made but an issue with the bank resulted in it bouncing. This was corrected on the payment date but as the first payment had to fail before the second could be sent the payment was 48hours late. This was an exceptional one off issue and I have perfect record with the card previously. The second payment including all new charges ( not due ) and the interest as goodwill on my behalf. 
Goldman Sachs XXXX ( Apple card ) refuse to refund the {$120.00} charge they have made to my account for the first payment bouncing despite full settlement with 48hrs. They repeatedly state that the company has a maximum {$25.00} refund so I have to accept the reminder of the charge. 
I feel this is unfair and the company is using a one off exceptional situation to profiteer from myself. This is an exploitation of the unfortunate situation of a consumer.
Consumer complaint received 2020-09-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I have recently sent letters to all three bureaus, and it has been over 60 days. There has been no response from any of them, and I feel that they have disregarding my consumer disputes. There has been letters sent out beyond this 60 day mark, to no avail. 
Personally, this is incredibly stressful, it has hindered the homebuying process for me. Please advise me on what to do next.
Consumer complaint received 2020-09-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (NJ)

I have an FHA loan, and we are suffering hardship including unemployment due to the Coronavirus pandemic. I have made several requests to Flagstar for a forbearance, including sending them a hardship letter, but they denied my request for a forbearance because my mortgage was already in default. This is a violation of Section 4022 ( b ) ( 1 ) of the CARES Act which expressly states that the forbearance shall be granted regardless of delinquency status. 

Specifically, in XXXX 2020, I requested a forbearance from Flagstar. They sent me a letter dated XX/XX/2020 acknowledging my request, and asking that send a letter and provide supporting documentation ( which is a separate violation of Section 4022 ( c ) ( 1 ) of the CARES Act. I sent them a hardship letter explaining that I can not leave the house due to XXXX which make me especially vulnerable to the coronavirus, and that my husband is unemployed as a result of the virus. 

On XX/XX/2020, a Flagstar representative informed me by telephone that my forbearance request was denied because the loan was referred to foreclosure. This denial is a direct violation of Section ( b ) ( 1 ) of the CARES Act which expressly states the forbearance shall be granted regardless of delinquency status. 

On XXXX XXXX, 2020, I sent a letter to Flagstars attorney, that Flagstar had violated the Cares Act by filing a motion for final judgment of foreclosure in violation of the CARES Act moratorium. I also pointed out that Flagstars failure to grant my request for a forbearance violated the CARES Act. Although the attorney vacated the final judgment, she did not respond regarding the forbearance issue. 

On XXXX XXXX, 2020, I spoke with my designated point of contact at Flagstar, XXXX XXXX XXXX. I again asked for a forbearance. She again stated, erroneously, that I am not eligible for a forbearance because my loan is past due, and was already sent to foreclosure. This is a blatant violation of Section 4022 ( b ) ( 1 ) of the CARES Act.
Consumer complaint received 2020-09-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have recently sent letters to all three bureaus, and it has been over 60 days. There has been no response from any of them, and I feel that they have disregarding my consumer disputes. There has been letters sent out beyond this 60 day mark, to no avail. 
Personally, this is incredibly stressful, it has hindered the homebuying process for me. Please advise me on what to do next.
Consumer complaint received 2020-09-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NE)

Citi Bank/ Home Depot Credit Card , keeps calling and has called everyday, since XXXX. Everyday Sunday through Saturday. 4 to 6 times a day, I have been polite, ask Citi Bank to stop calling. I've explained I'm not working bc of COVID-19, and they continue to call unrelenting, I've answered the phone number and there's nobody to talk too. Then they call my wife 's phone 4 to 6 times a day also.
Consumer complaint received 2020-09-30
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: MONEY SOURCE, INC., THE (FL)

The Money Source dinged my credit report in XXXX stating that I missed one payment. They knew the house was going to close on XX/XX/XXXX and they would be paid in full. They have not informed the credit bureau that they have been paid in full. They have admitted that they overcharged me and I have yet to receive a refund.
Consumer complaint received 2020-09-30
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)

THESE ACCOUNTS LISTED SOMEONE USED MY INFORAMTION T OPEN THEM THEY USED MY PHOTO ID SOCIAL SECURITY NUMBER WITHOUT MY CONSENT SOMEONE STOLE MY IDENTITY I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-09-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (TX)

Coinbase has locked me out of my account. Doesn't allow me to add a XXXX XXXX account for transferring my {$2400.00} dollars out of their account. Also does not allow me to buy crypto that might enable me to transfer coins to my wallet. They have a help process online that sometimes responds " I am still learning, do not understand your problem '', and also a form to fill out that sends back an email in a few days saying the problem has been corrected, with the same results on the website. This has been goin on since XX/XX/2020 with no solution on Coinbase 's part in sight. They also do not have any live customer support.
Consumer complaint received 2020-09-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (AL)

I SENT RENTDEBT AUTOMATED COLLECTION LETTERS ON XX/XX/2020, XX/XX/2020 AND XX/XX/2020 AND I HAVEN'T RECEIVE ANYTHING CONCERNING THE ALLEGED DEBT OF XXXX THAT I DON'T OWE.I HAVE ATTACHED COPIES BELOW FOR MY RECORD.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

EQUIFAX, they published and are sharing false information, about my credit history with FALSE documents, its causing a lot of damage with these collections that doest exists. I've been trying to apply for personal credit and for my business and even though I have great credit the banks weren't approving anything. I then did some research and discovered that since XXXX I have Collections that don't belong to me on my credit, and I am being harmed by this. My credit was from XXXX to XXXX. Now, because of XXXX XXXX XXXX actions, I am paying more for insurance, car loan, and my application for a new job position was denied because of my credit. I need to be a XXXX XXXX, but the license requirements needs a higher them XXXX credit. The collection refers to an apartment rental contract, but my name was removed from that contract more than a year ago, I have nothing to do with the open account with the company anymore, I have all the evidence, all the evidence that my name was removed from the contract, and this was reported in my name. The worse part, EQUIFAX has the Collection and its sharing with others agencys of credit but its all false information. 
This information is hurting a lot my personal credit. I had a lot of damage because all this company did not follow the law, they made a FALSE affirmation, completely out of the rules of FCRA, sharing false collections and harming my life.
Consumer complaint received 2020-09-30
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: Experian Information Solutions Inc. (NJ)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2023-06-30
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (GA)

Due to divorce, I started the process to do a VA assumption loan with Flagstar Bank on or about the beginning of XXXX XXXX ( loan officer XXXX requested my VA COE on XXXX XXXX XXXX ). I was " encouraged '' to refinance with Flagstar because the VA process is lengthy. I declined the offer to refinance especially since it would be at a higher interest rate. Once loan XXXX XXXX completed his part of the process the loan was forwarded to the Assumption department. It was during this process that I encountered delays and excuses for the delay. I was assigned to loan officer XXXX who keep asking for the same information over and over again. I complained to the supervisor of the department about the delays. I realize that the bank must verify my eligibility for the loan however when your asked why your electric bill is on automatic deduction and to write a statement for it, it's over the top. My credit score is high so some of the questions and repeat document requests was clearly to stall the process. Again, I received emails from Flagstar encouraging me to refinance with them. I threatened to report the company to the XXXX because it was obvious, they were using reasons to discourage me from using the VA process. I was assigned a new assumption officer who started the process moving. Only to find out that I was approved twice but nothing was done to attach my VA certificate to the loan. The VA told me that the VA Certificate of Eligibility is the first step on the process. This tactic that Flagstar used to discourage from using my benefits has also caused my ex-husband to pay higher closing costs. Since his certificate is still on the existing loan, he was unable to use his VA loan. I started this process in XXXX, and it is almost XXXX!! Now I did have to get signatures and a quit deed accomplished but all was done within a week.
Consumer complaint received 2020-09-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NV)

In 2010, XXXX XXXX XXXX ( then backed by XXXX XXXX  ) offered to modify my loan but only upon default. Once the loan was in default, the new owner, XXXX  ( XXXX XXXX XXXX  - XXXX  )  did not offer a viable loan modification. And XXXX  was unable to lawfully proceed with foreclosure. Shortly thereafter, XXXX XXXX dropped its protections and no longer secures the loan. As a result, XXXX sold the loan, and it has been sold again several times over the last decade. The current note holder, XXXX XXXX XXXX XXXX, by XXXX XXXX XXXX XXXX, not in its Individual Capacity but Solely as Certificate Trustee, nor its servicer, Shellpoint Mortgage Servicing are willing to offer a viable loan modification. The Trustee has begun a foreclosure process and sent a Debt Validation Notice, which Notice states that the debt currently owed exceeds {$400000.00} -- due to interest, late charges, and other charges, etc. This debt is unverified. And I'm requesting to know all the information that I'm entitled to under the laws so that I may continue  to negotiate viable loan terms and remain in my home.
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

A cash deposit {$760.00} was made Friday XX/XX/2023 to Account ending XXXX XXXX  at XXXX information on the receipt is as follows Amount {$760.00}, Teller XXXX, Bank XXXX, Branch XXXX, Transaction XXXX. On Monday XX/XX/XXXX I called and relayed all information, it is now XX/XX/XXXX and still no money is in my account. 

I would like my money and additional fair compensation, the bank would have charged me a fee if I was short in my dealings with them.
Consumer complaint received 2020-08-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TFC Credit Corporation of California (TN)

I attended a fraud college for one day XX/XX/2020. I got false information didnt know I was signing up for a loan. I was in a car accident same day was not able to get around so I withdrew due to lack of reliable transportation. I withdrew from the school the proper way and returned the books I received and then I started getting calls from TFC stating I owe almost {$700.00}. I didnt understand how because I only attended the school for one day. The loan company is extremely rude and will not compromise on any thing all they want is money that I do not owe. I had a bad feeling about the school and I was right because now the school is under investigation for fraud. The owner has been scamming students to pay out of pocket when the school is federally funded. The loan company TFC has to also be a scam because there no way I owe almost {$700.00} and I didnt attend the school. They have reporting false information to the credit bureau and it has effected my score in a negative way tremendously. Please help I am going through a hardship and I was already ripped out of {$1000.00} out of pocket tuition payment that the healthcare institute ( in XXXX, TN ) wouldnt refund me back. Please tell me what I would need to do to stop this inaccurate reporting. Thank you in advance.
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (TX)

As a consumer my rights has been violation by law ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2020-09-30
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. (NJ)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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. ''
Consumer complaint received 2020-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have a CapitalOne Savor credit card that carries an annual fee. When I signed up for this card, I was assured that I could downgrade it later on to the no-fee SavorOne card. Today CapitalOne denied me this and I will not be renewing the card.
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XXXX XXXX XXXX Someone fraudulent opened and account with capital one in my name and had it delivered to and addresses that I lived at over XXXX ago, and this was just a year ago my bank contacted me about the fraudulent activity due to the fact this thief had somehow got my banking information and tried to have my bank account linked to this capital one card. When Captial one tried to take a few payments my bank declined because they know I dont own a capital one card. This person even tired to call my bank and act as if they was me, My bank teller confirmed and called me to inform me of the fraudulent activity over the phone as well. My bank then called me in to change my information. I then called all 3 credit companies so I can get updated reports mailed out to me so that I can now track and see what else was fraudulent on my report. I finally received my reports. I couldnt believe my eyes. Ive always had great credit and never applied for a lot of things at once when I received my report I had over 40 hard inquiries from cash loan places none on my reports belong to me besides items that are paid off or paid in full. Only time I apply for credit/loan is every XXXX for auto or maybe one credit card at a time. Like I have right now only ( 3OPEN ) accounts that are in good standing. 
In 2021 when I received my report my life turned upside down, When I seen all the Fraudulent Activity & Over 40 Hard Inquiries that are NOT MINES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And so much more With this being said CAPTIAL ONE has been making my life hard for a LAW that they have broken by approving and mailing out a credit card with limit of {$300.00} which balance today is {$620.00} and this has caused so much pain and suffering over a year. That my family and I have been getting denied housing, Loans, Healthcare & Ect its been terrible all because they are unprofessional at CAPTIAL ONE.
Consumer complaint received 2020-09-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

My Venmo account was used for an unauthorized transaction on XX/XX/2017. Due to the fraudulent activity, I opened up a new venmo account to avoid security concerns. Venmo froze my new account because the transaction on XX/XX/17 was never paid and they will not unfreeze my new account until I pay the amount of the fraudulent transaction.
Consumer complaint received 2020-09-30
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: Experian Information Solutions Inc. (WI)

Ive been disputing an account paid in full since XX/XX/2020. It is3 months now that account has been paid in full. I reported the dispute with additional documentation from the actual company in a formal letter from the company showing account was paid in full. The dispute reviewer still said the account shows not paid and no change was made. 3 consecutive months of a dispute filed with the documentation including my bank statement showing the payment and still the dispute was not resolved.
Consumer complaint received 2021-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Arbor Professional Solutions, Inc. (IL)

I reached out to this company regarding an fraudulent account that doesnt belong to me I am making a formal complaint to have this erased off of my credit as I am I victim of identity fraud this is reporting on my XXXX account as of now I reached out to this company and sent both a copy of police report