davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-16
Product: Credit card or prepaid 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 (MA)

I made a purchase on XX/XX/24/20 through a company called XXXX XXXX. I purchased rose plants that were ultimately delivered on XX/XX/XXXX. The company has a 1 year guarantee on all plants, and the plants I received arrived dead. I contacted the company and they asked for documentation, pictures, etc, which I provided. The company denied my return claim. I opened a dispute with Apple Card ( through Goldman Sachs ) on XX/XX/XXXX, which was denied on XXXX because Goldman Sachs found that I made the purchase. That was never my dispute - I told Goldman Sachs that I made the purchase, my complaint was that the goods were delivered damaged. I reopened the claim on XXXX, and GS again denied the claim on XXXX because they found that the merchant had provided a credit ( the merchant had not ). I contacted GS and asked for proof that the merchant provided a credit because the credit did not appear on my credit card statement, and they declined to do so. They reopened the claim on XXXX and AGAIN denied it on XXXX. I contacted them on XXXX by phone and the customer service rep said that she was reopening the dispute for me, but it was never reopened. I contacted them again on XX/XX/XXXX and they are now saying that they can't reopen the dispute because it has been reopened too many times. This is due to their incompetence! I am being completely ignored and am being charged for damaged goods. I don't know where else to turn.
Consumer complaint received 2020-02-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: FIRST HERITAGE CREDIT LLC (TN)

XXXX from this office called my employer today, called my office phone today, called my cell phone and left a voicemail then called my wife 's cell phone today and left another message for me to call them. Per complaint XXXX they agreed to mark my accounts as a " Do Not Call ''. They are free to use mail or email to contact me. 

See attached letter.
Consumer complaint received 2016-07-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (IA)

On XXXX I called XXXX and contracted their Internet Services over the phone for my apartment located at XXXX XXXX XXXX . XXXX . XXXX in XXXX XXXX, Iowa. XXXX sent a technician to install the modem, and asked a front payment of more than XXXX dollars, my husband was in the apartment and called me about that payment. I called XXXX customer services, and complained that they never explained me about those charges when contracting the services over the phone, the representative stated that it is part of the installation cost, plus modem rental, I asked to cancel the Internet service at the same day, they agreed to did it, and mentioned that I needed to pay XXXX dollars for installation cost. I complained over the phone, and refused to pay that abount, expressing that it was unfair and that I wont pay that amount, I asked if they could remove it, the representative agreed, but made me aware that I should needed to return the modem to the local XXXX office within the same day. I went to the office and returned the modem, they printed a receipt for me with XXXX balance on my account. Afterwards I got multple bills, and called customer services to ask them remove those charges. The staff who answered my call said that the account had XXXX balance. I started gotten collection attempts, and called again customer service, they said the account had a XXXX balance. I even stop by the local office and complain about the collection attempts, the secretary searched my account and said that the charges were removed but they take time to update the account, and that I supposed to wont get the collection attempts anymore. I got the third notice on XXXX XXXX, 2016. The Creditor is XXXX, account # XXXX, service balance XXXX plus XXXX collection fee. Please help me with that. I can pay the money, but it is something that I dont own, it is unfair, and it is horrible that those companies abuse of us in such a way. It is time consuming, disgusting, and difficult to submitt claims, especially for non native XXXX speakers such as me. However, it is worthy, because we should not allow those companies to continue abusing of clients.
Consumer complaint received 2024-05-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BSI Financial Holdings, Inc. (MD)

I contacted XXXX when I was unable to make payments in XXXX of XXXX due to XXXX job loss again during that time. I was sent several contacts, who kept changing, to fill out the loss mitigation paperwork, which I did and returned. Subsequently I was sent the paperwork again a few months later with NEW POC info and called, got information and had to do it AGAIN. I continued to call monthly throughout XXXX, and into XXXX, during this loss mitigation process and was told monthly that it was in underwriting and that they were either short-staffed and/or backed up. I FINALLY received partial claim papers in XXXX and signed and returned by the XX/XX/XXXX date requested. It is now XX/XX/XXXX and I have been calling every few weeks and keep getting told that they are waiting for the funds to be released. I called last week now that it has been a month and a half and nothing has been done, meanwhile I am holding my end of the bargain and making monthly payments for both XXXX and XXXX per the partial claim contract. The representative told me last week to keep making payment and EVENTUALLY the system will update. She then escalated to Loss Mitigation to find out what was happening. Today, XX/XX/XXXX I called again and spoke with " XXXX '' in the Loss Mitigation department to find out what was going on after yet another week. We are now approaching XXXX months since the Partial Claim was signed and returned and over a year for that the entire Loss Mitigation process has been taking place because it is reflecting a XXXX XXXX XXXX' on my credit report. She said she see 's where it was escalated and they are still awaiting an update but are backed up. When I told her that BSI was reporting months and months ( almost a year ) of late payments and it states XXXX XXXX XXXX being reported on my credit report even though I was in loss mitigation, then signed the Partial Claim agreement, and have been making payments per the agreement, she stated that she would put in for an update to my credit report because during the continuous loss mitigation process it should not have been reporting delinquent payments and to wait XXXX business days for the update to be reflected. If I don't see it, she stated to call back.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WI)

Have excessive telephone numbers reported on XXXX XXXX XXXX XXXX and unable to login to dispute and " Block because I am XXXX Blocked '' so they can implement systemic discrimination as XXXX XXXX is not allowing me to dispute reporting by blocking XXXX from login into their system to continue their report of erroneous information as to excessive telephone and not reporting or allowing update to correct telephone number of XXXX to assist companies and Banks discriminate. 

It's been said that government agencies like " XXXX XXXX XXXX and IRS '' have Dept. of Justice to harass senior citizen and cover-up discriminate and could be involved with this type of corruption or discrimination or due to politics. Practice to evade federal protection at FRCA or ECOA and other laws to protection American by systemically discrimination and maybe one of the cause violations in America. 
Even XXXX XXXX employees have no power to correct allow login because I am XXXX Blocked. 

Equifax will not let me login or anything because they want to continue to report erroneous information systemically to XXXX-Blocked my credit file.
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (TX)

This is the second complaint because the first one was not resolved. I got a call from a rep apologizing for the delay. Of course they blamed covid. 

Anyway, this bad transaction happened in XXXX. Its now XXXX. It takes 4 months to investigate fraud? Yall owe me interest too if thats the case. I cant go weeks without paying a bill or a bank, but yall can do it? No. It is taking all my power not to go to a location and beat up an employee. Keep the money. I just want to fight at this point. 

What is there to even investigate? I ordered something. It didnt come. The merchant wont answer. Theres no record of delivery or shipping. 

What the XXXX is taking so long to get me my money? I used to be a federal XXXX. This sort of case shouldnt take more than a week to resolve. Either XXXX doesnt care or they too are committing fraud. 

I dont care. Stop pretending to care. Give me my money.
Consumer complaint received 2018-05-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LCO Financial Services, LLC (DE)

I send a certified letter return receipt to the address listed on the website on XX/XX/2018. On XX/XX/2018 I place a stop payment on my checking account to prevent any additional payments from being taken and they are still coming out. On XX/XX/2018, the amount of {$530.00} was deducted from my account. I want my money refunded. 

Tracking number for certified mail is XXXX.
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

XXXX XXXX Experian You all claimed to Have Verified XXXX account XXXX as I looked at this account on all 3 of your reporting XXXX you have no Payment History listed on your report this is a violation of the FCRA! But however on this account you did report date of 1st delinquency. of XX/XX/XXXX how is this so? this is incorrect reporting therefore must be deleted from all Three agencies Per the FCRA a consumer credit report must I repeat Must be 100 % percent accurate please delete ASAP Experian You are reporting and Ok Payment for XX/XX/XXXX but however on XX/XX/XXXX you are reporting a 30 day late. XXXX has an Ok. XXXX  is not reporting anything incomplete XXXX  you are reporting a ok late XX/XX/XXXX XXXX you are also in violation of the FCRA REPORTING A INCOMPLETE FOR XX/XX/XXXX AND XX/XX/XXXX These account can not report as Unknown has to 100 % percent accurate! Please delete asap CFBP I would Like for you to forward a copy of this Information to Congresswoman XXXX XXXX at XXXX XXXX HOUSE OFFICE Building Washington DC XXXX
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX FL XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 3. XXXX XXXX XXXX   XXXX XXXX FL XXXX 4. XXXX XXXX XXXX CT XXXX XXXX FL XXXX FRAUDULENT NAMES : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXXXXXX XXXX   XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX
Consumer complaint received 2022-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (AL)

Before AidVantage, my payment was 1/4 of the payment that AidVantage is suggesting. 
The payment suggested is ridiculously, and unreasonable, and not managementable. No reasonable alternative is offered.
Consumer complaint received 2019-06-12
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. (MN)

Transunion XXXX XXXX You all claimed to Have Verified XXXX account XXXX as I looked at this account on all 3 of your reporting XXXX you have no Payment History listed on your report this is a violation of the FCRA! But however on this account you did report date of 1st delinquency. of XX/XX/XXXX how is this so? this is incorrect reporting therefore must be deleted from all Three agencies Per the FCRA a consumer credit report must I repeat Must be 100 % percent accurate please delete ASAP XXXX You are reporting and Ok Payment for XX/XX/XXXX but however on XX/XX/XXXX you are reporting a 30 day late. Transunion has an Ok. XXXX is not reporting anything incomplete Transunion you are  reporting a ok late XX/XX/XXXX Transunion you are also in violation of the FCRA REPORTING A INCOMPLETE FOR XX/XX/XXXX AND XX/XX/XXXX These account can not report as Unknown has to 100 % percent accurate! Please delete asap CFBP I would Like for you to forward a copy of this Information to Congresswoman XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CT)

My student loan payments as co-signer to Navient are not being posted timely resulting in erroneous late fees being charged. 

The stated due dates for payments are AFTER the next statement date so the statements never show my last payment but instead charge late fees because Navient didn't receive the payment that wasn't due yet by the statement date. THIS IS CLEAR FRAUD.
Consumer complaint received 2022-04-04
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: I.C. System, Inc. (MI)

I.C. System, INC has repeatedly contacted me about an account that I have no idea about. I asked them for a copy of the contract that I supposedly owed on and they could not produce one. I have asked them repeatedly to stop calling me and stop sending me letters. Now they are threatening to negatively report on my credit report if I don't pay them. I told them specifically all of these things but would not stop sending communications to me. I have XXXX children  and do not have to to deal with these bullies.
Consumer complaint received 2022-04-04
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: EQUIFAX, INC. (PA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-04-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Telerecovery Corporation (LA)

I received collections notices on a {$310.00} debt back in XXXX from a medical appointment made back in XXXX, this amount has since been paid. However it is still being reported on my credit. I attempted to dispute this derogatory mark back in early XXXX, now they're refusing to remove the mark because they " can not locate '' me.
Consumer complaint received 2022-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

Hello. My mortgage was recently transferred/sold from XXXX XXXX  to Nationstar d.b.a. Mr Cooper. Mr Cooper continuously mismanages payments that I make on my home loan. I make regular monthly payments on a timely manner always. In between the monthly payments, I made extra payments towards Principal of my mortgage, yet Mr Cooper does not apply those payments towards my Principal but rather takes out interest and other charges. In that resect, I get double or triple charged for interest. This is completely inappropriate. I called and emailed Mr Cooper several times, and got several past payments reversed and applied towards the Principal. However, the problem persists. On XX/XX/XXXX ( due date ), I made a regular monthly payment. Another regular payment is not due until XX/XX/XXXX. Today, XX/XX/XXXX, I made an extra payment towards my Principal only, and yet again was charged for interest. This is completely inappropriate handling of my mortgage. I would appreciate if your Agency would kindly investigate Mr Cooper 's practices. Thank you in advance for your help.
Consumer complaint received 2022-04-04
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. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-04-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: EAST WEST BANK (TX)

In XX/XX/XXXX, someone approached me via XXXX and tried to be friend with me. I accepted the request. From XX/XX/XXXX to XX/XX/XXXX, we had exchanged messages on XXXX and she persuaded me to learn cryptocurrency trading from her. She even guaranteed to make profit from the get go. I hesitated for a while, but couldn't resist the temptation of making quick profit. I registered an account on a trading platform called XXXX, and started transferring money from both my bank account and IRA account. 

The following is the receiving bank information : Name : East West Bank Account Name : XXXX XXXX Account Number : XXXX Bank Code : XXXX Routing Number : XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : XXXX Name : East West Bank Account Name : XXXX XXXX Trading Limited Account Number : XXXX Bank Code : Same as above Routing Number : Same as above Bank Address : Same as above Phone number : Same as above However, on the morning of XX/XX/XXXX, when I open the mobile app to check my account, I found out that the mobile app is disabled and I cant access to my account anymore. I immediately reach out to that person for help via XXXX. But the message couldnt get through. I started calling her and the trading customer service, but I failed every single time. They just disappeared all of sudden. Then I realized that I become the victim of internet crime activity. 

The information of that person and customer service representative is listed below. XXXX XXXX : XXXX XXXX XXXX Name : XXXX XXXX : XXXX Marital Status : XXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX Customer service representative : Name XXXX XXXX XXXX Phone Number : XXXX The fund on my trading account disappeared too. My total investment loss is {$200000.00}. I have reported this incident to my local police department and my financial institution XXXX. I have all the information and documents to support. However, the purpose of this report is to file a complaint of East West Bank for being potentially associated with fraud activities.
Consumer complaint received 2022-04-04
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. (TX)

I sent disputed to Transunion for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC. (AL)

I had XXXX eligible direct deposits in my SoFi account. 1st they are supposed to give you a bonus within 28 days of the direct deposit. Well that never happened and I have talked and chatted with them multiple times. My account has the plus rewards. The only way to get that is from having eligible direct deposit made which I did. I'm providing proof of the plus rewards, proof of the conversation them saying multiple times they was going to summit my direct deposits again and again so I'd get my bonus ( never happened ) and proof of them saying they are taking my Plus rewards away now because I complain to the CFPB just happen to be after I complained. Per 1030.8 they can't lie have misleading information which they do. And then I got an email saying I was chosen to do a survey to receive 50 dollars after I complained. They also said they lost my direct deposits it will show in the email sent to me.