davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (TN)

I have an Apple Card through Goldman-Sachs . I keep trying to make a payment, but the system says nothing is due at this time. Ive messaged and called Customer Support several times and they say I have a credit on my account, nothing is due, and the system will update my balance when it resets. Ive also been promised several times my credit will not be affected. The system never resets and Im getting collection emails and reminders on my phone. Ive called ( and done online chat ) MULTIPLE times and nobody can fix the error that Goldman-Sachs reps tell me is their issue. 

Ive even asked the phone rep to make a payment on my behalf and they cant because of the Goldman-Sachs system . Its been escalated and still no resolution.
Consumer complaint received 2020-04-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Associated Credit Services, Inc. (NJ)

We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 



YOUR COMPLAINT This Company ACS, Trying to collect a debit with a XXXX amount of {$4100.00} it look like a gas debit under my name. I do live completely different from the address that they report they have no evidence or prove of any bills not paid and from how long, they said is a residential. But there is no residential bill that is on that amount, they call me and they threat that if I don't pay I will be arrested, they call back again and one operator it said that they will send a Sheriff Dept. at home, i get lot of stress I do not sleep on night the costumer service is so aggressive and bad
Consumer complaint received 2018-03-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (WA)

I've received multiple calls from XXXX XXXX on my cell phone. Each time they ask for a person named " XXXX '' who doesn't have the phone number. The calls include local call spoofing attempts ( very frequent ), XXXX, and even XXXX. I've repeatedly asked them to put my phone number on their " Do not call '' list but they just hang up on me then call me over and over again.

I filed a complaint against them about two years ago for the same activity to which they sent a letter promising to never do call my number again. They are doing it again.

They are also using a robo-calling device to call my cell phone. This is also illegal.

I've found that they are a debt collection company known for using sleazy tactics in order to collect debts that are not owed. I do not owe any one and am not in debt. No one named " XXXX '' is associated with me or my phone number.
Consumer complaint received 2021-03-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (MO)

I received a letter from the IRS requesting my tax information from 2018. I called Lakeview LoanXXXX  several times and never got a live person on the phone to assist in getting my annual tax and interest statement. I sent a letter requesting the information to the below address and I received no response. The phone number is automated and if you don't have an active loan you can not get a live person. 
Lakeview Loan Servicing ATTN : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX, Virginia XXXX XXXX
Consumer complaint received 2018-07-06
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. (CA)

XXXX XXXX  is reporting me with late payments and that card belongs to my dad.

XXXX XXXX is reporting 2 credit cards with late payments and those cards belong to my dad
Consumer complaint received 2016-11-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (NY)

I initiated this account for short sale on XX/XX/2016 by submitting lender package, offer and all required financial docs good through 90 days. On XX/XX/2016 we spoke to Freedom Mortgage and they confirmed that our package was received and a processor was assigned for review and all documents has been received but as per FHA guideline this loan must be reviewed for a Home Retention option first and it might take up to 30 days for the review to be completed. FHA Loan modification denial letter was sent to me dated XX/XX/2016 due to " Insufficient Income-Ability to Repay. '' Since the loan modification process was denied, we then called Freedom Mortgage on XX/XX/XXXX, to request them to order an Interior Appraisal as there was no interior value for this property. After document review was completed, on XX/XX/2016 I have received an email from their XXXX XXXX stating appraisal has been ordered. I received a call from an appraiser for access on XX/XX/2016 and access was provided on XX/XX/2016 and the value was good through XXXX/XXXX/2016 the appraisal was completed successfully. 

After several requests, we finally received a copy of the appraisal on XX/XX/2016. Then the value came back very high and freedom mortgage advised to dispute the value. The valuation dispute was submitted XX/XX/2016. On XX/XX/2016 the freedom mortgage XXXX XXXX sent an email stating Loan has been reviewed and determined sufficient value based on current as-is appraisal & AVM. Dispute the offer and supporting documents, the value dispute was denied out and the lender closed short sale process completely without a chance for the buyer to counter. 

On XXXX/XXXX/2016 we reinitiated the file again for short sale by submitting fresh package with all updated financial good through 90 days, offer and lender package. Then I was advised by the servicer that FHA extended the value expiration and it expires in 6 months which is XX/XX/2016. So, I was advised by freedom mortgage that they will order a new appraisal once the current value expires. When we called in freedom mortgage on XX/XX/2016 to get an update on the short sale review and the status of appraisal order they are advising me that the file needs to go through Home Retention Water fall process again whereas it has not even been 7 months since it got denied for Home Retention option on XX/XX/2016. In regards to the appraisal order they are advising me that they do not know when it will be ordered and they are not giving me any clear update on the file. When requesting to speak with management, I was also denied. Freedom Mortgage representatives are even advising me to call FHA for any updates on this file whereas they are servicing this loan.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ocean Lending Home Loans (MA)

For 12 years, Bank XXXX did not let me refinance with another banks because bank XXXX marked my credit report 2 times in XXXX and XXXX with incorrect information and complicated my life moral and financial. 
First they made a mistake with my whife name XXXX XXXX XXXX XXXX XXXX, the bank included her name on the title and the mortgage was only in my name XXXX XXXX XXXX XXXX. We bought the house in XX/XX/XXXX and we lost the house in XX/XX/XXXX the Lawyer XXXX XXXX XXXX said for us leave the house, then we back to the house in XX/XX/XXXX because the bank XXXX didn't take the house back, we don't know why because we don't know how the law with Mortgage works here in XXXX and I did a modification just in my name The program XXXX save our home in that time.I would like to know if I can have a compensantion for the damages caused unfairly on my credit report because I finished my bankruptcy in XX/XX/XXXX and I aware I have to wait 10 years to do any refinance with another bank but the XXXX first marked on my credit report that I did bankruptcy in XXXX then he reported in XX/XX/XXXX marked me again said I had banckrupcity and chapter XXXX in that date that is incorrect and this is unfair because in those 10 years I have been always paid my mortgage on a due date just now I'm in the Forbence Plan, I have to start pay the house in XX/XX/XXXX. I have all papers from the Bank and from the Court showing to prove that I'm saying the truth. Bank XXXX and Bank XXXX worked together against us. The title is on the name of the bank XXXX and I can not make full payment before XXXX, and I can't sell the house either I'm sending all documents about the house and courts by mail. The bank XXXX stopped reporting to my credit report my payment since XX/XX/XXXX and I have all documents showing the payments until today. I don't have the Title and deed of the house. 
I tried to refinance the house with another Bank last month and I found that I can't make nothing because of the derogaty, bankruptcy and chapter XXXX marks was reported on my credit report and another bank told me the title is in the name of XXXX Bank. I will send by mail all the documents tomorrow XX/XX/XXXX. I sent here just small file the rest I will send by mail because they are big file. Could you please help me! 
Thank you so much!
Consumer complaint received 2020-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I am an elderly woman that is a victim of fraud. I temporarily lived with my daughter and her roommate used our information and stole from us both. I have received debt communication trying to sue me. I am on a fixed income and never used credit accounts.Please help me.
Consumer complaint received 2022-09-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MA)

On XX/XX/XXXX I purchased {$400.00} of XXXX ( XXXX ) using the Venmo app. I accidentally purchased on there thinking it was XXXX. A few days later when I realized the error I tried to sell it to convert to cash. When I am prompted on a screen to enter my SSN # then hit " done '', I receive a blank screen and nothing else. 

I uninstalled and reinstalled app, tried using on someone else 's phone but to no avail. I reported the issue on XX/XX/XXXX and on XX/XX/XXXX I rec 'd an email suggesting I perform a bunch of steps to see if it helped. I tried and again, nothing. When I wrote back I provided screen shots, details of every action step taken etc. I was finally told there may be a bug. I have written three times since and have NOT REC 'D A REPLY. Today, ( XX/XX/XXXX ) I called and was told it's a known issue w/no ETA on a fix. 

I explained I have since lost {$70.00} since the time I tried to sell and today. They told me there is nothing they can do, period. This is INEXCUSABLE they've known about this issue for months ( I was told ) and don't have a solution!
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I filed for bankruptcy in 2019 but did not list creditors. I changed my mind about filing bankruptcy and 11 days after filing, it was dismissed by the bankruptcy court. I never pursued bankruptcy, never identified any creditors, and never dealt with the trustee. It was dismissed and should have been treated like it was never filed given that no action was taken on it whatsoever. The bankruptcy is being reported to the credit bureaus via XXXX XXXX, not the bankruptcy court itself, which means a third-party with no knowledge or verifiable information is providing it. Also, my full social security number has not been provided so the credit bureaus do not know if the information is accurate or not but are still putting it on my credit report. I never went through with any aspect of the bankruptcy process. Therefore, my credit report should not reflect that I have a bankruptcy on my record. The third party reporting, lack of identity verification are prohibited by the Fair Credit Reporting Act. My rights are being violated by XXXX, XXXX, TransUnion, and XXXX XXXX.
Consumer complaint received 2020-08-24
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)

This Account Needs to be off My credit. I did not Authorize this Account I was a victim of identity Theft Attached is a police report stating what happen to my identity someone stole my laptop with all of my personal Information any many other Items which give them access to all of my personal Information
Consumer complaint received 2018-07-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I received a notice from a collection agency in XXXX 2018 stating I owed for a credit card I had allegedly opened. I responded with a general letter stating I wanted to see my signature for this credit card I had allegedly opened. The collection agency responded with a statement of balance due but nothing concrete proving this account was opened by me. I then sent another letter, this time making it absolutely clear that I had not received that I requested in the previous letter and I wanted to be provided with the signature given when the account was opened. Once again, I was not provided with the information I had requested. Instead, I was sent an itemized summary of the billing statements. I made it very clear I wanted to see a signed document, but the collection agency has failed to provide me with one.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/XXXX, I went to the TD Bank branch at XXXX XXXX for routing banking needs. They strongly suggested that I get a secured credit card with them, and despite saying no thank you, they pressured me into coming in the next day, XX/XX/XXXX. They had me fill in the application and apply *without showing me the fee schedule or the terms and conditions of the card*. Because I was not presented with the list of fees, I assumed that the secured card would have the same fees as the unsecured card with the same name, but it actually had a {$29.00} annual fee that I was never told about or shown. They then proceeded to enter my information wrong and I had to return on XX/XX/XXXX to correct my application, still not being aware of the fee schedule or any other details of the card. When I finally received my card in the mail, that is when I got the fee schedule and other details, and I was surprised to see the fee. On XX/XX/XXXX, I sent in an inquiry through the mobile app about this and received NO RESPONSE for many days, so on XX/XX/XXXX, I called in to explain this situation and to cancel this card. I was told by the phone rep that since I had not used the card yet, I could cancel the card and get the annual fee waived. However, on XX/XX/XXXX, the annual fee was charged and taken out of my collateral account, directly conflicting with what I was told. And despite my account having been " closed '', I can still see it active in my mobile banking app with the original credit limit. 

I am extremely frustrated because the fees and terms of conditions of the card were not disclosed to me when applying ( a violation of federal law ), I was lied to about the annual fee being waived, I did not receive a reply on my inquiry for over two weeks, and my credit card account appears still active despite me having closed it over a month ago.
Consumer complaint received 2020-05-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP (LA)

Security finance in Louisiana calls my phone just about every day. I have put this personal loan into a debt consolidation program and they have sent power of attorney and communication by mail. They are still harrasing me and calling my work when I told them not to. Being very nasty attitude. This has been non stop since XXXX. They are even harassing my family and threatened to turn me over to a lawyer and garnish my wages.
Consumer complaint received 2022-09-14
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc. (MI)

I have a lender that took advantage of me as a young man. They got into a high interest rate that compounded daily before I even understood what that meant to help a friend. They did so because the dealership convinced myself and my friend that I was able to be the primary and he would be able to refinance it without me without my help. Needless to say the coborrower is late on their payments and has been for the entirety of the loan leave they refuse to give it up the truck and last I heard santander sold the vehicle or sold the debt. When I heard about this I began looking into into if it was true and found out about a lawsuit with the XXXX towards them for predatory lending. When I brought this up the other chat system they changed it on my credit report from a from a charge-off bad debt back to showing a high balance. Which is inaccurate because they have also sent me a letter telling me that I could pay a portion of that and and settle. I recently spoke with a financial adviser who told me that that was not allowed and that because they have it on my report wrong they are forced to remove it. They also advise that I contact a lawyer as as the situation sounds like the lender trying to pull a fast one for anyone catches them. The lender in question is santander consumer USA who is in the middle of a multi state lawsuit for the same practices being done on me. I would like to know if there is anything I can do to get this off my credit report and get these people to leave me alone because they have harassed me for years despite me telling them over and over again that I do not possess the vehicle. They also make neglected to inform me of the lawsuit they are currently under and I believe they are trying to use the fact that they never had my contact info on there as a way of getting out of responsibility of that. As the coborrower chose to leave a address they have not lived at XXXX a number of years on the account. Meaning that any mail regarding the situation would have gone to that house, effectively guaranteeing I would have never heard about it. Though this did not stop them from harassing me relentlessly whether I was at work school or indisposed. There was a period of time last year or the year before where my phone went off every day. [ XXXX approx ]
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccur
ate.
Consumer complaint received 2020-10-20
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: JPMORGAN CHASE & CO. (IA)

We purchased a vacation on our Chase Freedom credit card and a few months later my trip was cancelled because of the travel ban from coronavirus pandemic. We immediately tried to dispute this with Chase but they refuse to refund us our {$2300.00} back, even though services were not rendered by XXXX.XXXX. Below is a timeline of our booking with XXXX and correspondence with Chase about our dispute. 

On XX/XX/XXXX, the original purchase was made from XXXX in the amount of {$2300.00} for a trip to XXXX, XXXX that was going to take place XX/XX/XXXX through XX/XX/XXXX. 
On XX/XX/XXXX, XXXX emailed me saying that they have cancelled our upcoming international trip due to the Do Not Travel alert issued by the US State Department due to the Coronavirus threat. We immediately tried to contact XXXX through website and by phone, but they shut down their website with a cancellation notice and are not answering calls. We have had no contact with any actual representative from XXXX, because this company had completely shut down. 
On XX/XX/XXXX, we did an online dispute with Chase for this XXXX purchase. We first looked into XXXX XXXX and XXXX XXXX, and they both said with any cancellations through travel agencies, the credit would go back to that agency that was used. Because XXXX  was shut down, we filed a dispute with our Chase credit card, as instructed by the XXXX email. 
On XX/XX/XXXX, I inquired again in an online message about this dispute and if it is being handled. 
On XX/XX/XXXX, I called and talked with a dispute representative, and answered all questions that were sent out in a letter on XX/XX/XXXX. After taking down all of the information from the questions she asked, she told us that she would take that information and do research about the charge being disputed. She told us we would be receiving a letter informing us if the disputed charge was ruled valid or not. 
On XX/XX/XXXX, a letter was sent saying the disputed charge is a valid charge. 
On XX/XX/XXXX, I called the number provided by Chase ( XXXX ) on the dispute letter we had received asking about why this dispute was rejected. She told us she couldnt research the dispute because the claim had already been closed. She said the only thing we could do was write a letter and put any correspondence from XXXX with it. 
On XX/XX/XXXX, we mailed Chase a detailed letter with the timeline above asking for the dispute to be reopened and processed again, because we felt it was not handled properly. We have heard absolutely nothing from Chase yet as of today, XX/XX/XXXX.