davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA (FL)

On the date of XX/XX/XXXX I reached out to Goldman Sachs Bank to extend my credit for my apple card and was discriminated then immediately denied. This is a consumer credit transaction and I'm federally protected by law. I believe this financial institution has committed fraud on behalf of my rights to privacy. Pursuant to XXXX XXXX XXXX ( XXXX ) its unlawful for any creditor to discriminate any consumer doing a credit transaction. Under Truth in lending act pursuant to XXXX usc XXXX ( XXXX ) I have open end credit where me extending my credit to goldman sachs should be never ending and no problem.
Consumer complaint received 2021-09-09
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. (TX)

This fraudulent company called XXXX is illegally reporting on my credit reports. I've reached out to them about this account numerous of times asking for the signed lease documentation and have received nothing. I reached out to the supposed apartment complex who says I co-signed on a lease in XXXX GA. I have never lived in XXXX GA nor have I signed a lease. They claimed during the pandemic I vacated my lease. I've never been in XXXX and nor do I know anyone in XXXX. I am taking legal action against this debt collector who has given me different stories many of times. This collector had the wrong social security number and when they called me I gave them my correct social and they claimed it was an error and then they started reporting on my credit. I gave them my social to prove it wasn't me and not for them to add the debt to my report. I've lived at my texas address for almost 8 years now and my credit report shows exactly that. This is not a case of stolen identity this is a case of this debt collection agency putting the bad debt on my name because someone has my exact same name. I've dealt with this issue before with another debt and they were able to find the correct person. When I called XXXX they told me to pay 30 % of the debt and they'll remove it and I don't see why I need to pay anything because it's not mine and the opportunities I am missing due this on my report is great.
Consumer complaint received 2019-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (KS)

Closed a business platinum American Express card in XX/XX/2019 due to business closing. Credit balance was paid in full. The acct was closed via phone. We had three platinum cards assigned to company. Once the acct was closed we tried using the cards to check if acct was closed as requested. Each card was rejected when attempt to use. Just recently I was called by American Express to tell me there is a {$620.00} amount that is some 60 days past due on the platinum card acct.. When I asked what the charge is for, I was informed it is the annual fee and was due in XX/XX/2019. I advised them the acct was closed XX/XX/2019 & they say they dont have ant record of the acct being closed. I then ask them what activity ( charges ) were made on card since XXXX and they said no activity on the card since XXXX. Again, I told them the acct was closed. They are demanding the {$620.00} be paid or they will turn me into the credit reporting agencies. I explained it doesnt make sense to pay this charge since the acct is closed therefore we havent been able to charge on the card since and forward.
Consumer complaint received 2022-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

We were given a 90 day mitigation at the onset of covid 19.After the ninety days ended we were asked if we would like to repay the 3 payments in a lump sum or have them added to the end of our contract.We elected to have the payments added to the end of our mortgage contract.That was almost 2 years ago and we are still shown as behind by 3 payments.Those 3 payments originally totaled XXXX XXXX.After receiving an escrow analysis saying we had a shortage of {$4800.00} ( XX/XX/XXXX ), we paid the shortage.Today XX/XX/XXXX we were told our escrow shortage was originally XXXX XXXX.Our taxes are around {$1700.00} and our insurance around {$3200.00}, so how is our shortage $ XXXXEverytime we call to speak to someone we get conflicting information or we mysteriously get transferred to their survey line.The one time we were able to speak to a supervisor, she said she would have a specialist look at our account and someone would get back to us, that never happened.The person we spoke to can't tell us why there is such a discrepancy in the numbers.There web site is no better it contains outdated and confusing information.It shows recent months with no payments and we haven, t missed any payments other those three that were in mitigation.We need to have some explain in detail whats happening with our mortgage account.We are starting to regret ever establishing a mortgage with this company.They are not very customer oriented.
Consumer complaint received 2021-09-09
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. (TX)

This fraudulent company called XXXX is illegally reporting on my credit reports. I've reached out to them about this account numerous of times asking for the signed lease documentation and have received nothing. I reached out to the supposed apartment complex who says I co-signed on a lease in XXXX GA. I have never lived in XXXX GA nor have I signed a lease. They claimed during the pandemic I vacated my lease. I've never been in XXXX and nor do I know anyone in XXXX. I am taking legal action against this debt collector who has given me different stories many of times. This collector had the wrong social security number and when they called me I gave them my correct social and they claimed it was an error and then they started reporting on my credit. I gave them my social to prove it wasn't me and not for them to add the debt to my report. I've lived at my texas address for almost 8 years now and my credit report shows exactly that. This is not a case of stolen identity this is a case of this debt collection agency putting the bad debt on my name because someone has my exact same name. I've dealt with this issue before with another debt and they were able to find the correct person. When I called XXXX they told me to pay 30 % of the debt and they'll remove it and I don't see why I need to pay anything because it's not mine and the opportunities I am missing due this on my report is great.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CT)

On XXXX XXXX, i received a text from Chime asking me to turn on my international transactions on. After not answering I received an email telling me my card was declined for a service I know nothing about. When opening the chime app I found 3 different transactions. One for XXXX and then one for {$25.00}. While looking i saw that they cancelled a bill that needed to be paid on the spot and they cancelled my transaction and NOT at my request! I had to call Chime 7 different times to talk to the dispute department and a supervisor in the dispute the department. On the 7th time someone finally put in a dispute after two days of waiting on the phone and having to beg to have my money returned and while also asking where my refunds I received from cancelled items were. The person who made the dispute told me he was going to make sure i was going to receive my money back today ( XXXX XXXX ). I told the dispute representative how they didnt allow my bill to be paid but allowed 2 transactions from XXXX that I can not locate what they are nor did Chime provide any clarity on the matter, for him to say Now you must wait up until 10 days for a credit of the amounts to your checking ) this is after Ive been overdrafted by them for {$20.00} and kept having to move money in between accounts so I could have money for the week while also waiting for my refund credits. They were of no help now it is Monday and i have no money for the week and had to fight and claw just to have a dispute submitted! Upon doing my own investigation into Chime as they provided me no information, i came to find how many reports there are regarding chime all the way up to them being sued. They told me they were a legitimate bank when after doing research they arent. I really need help because they allowed my money to be stolen and now even allowed me to be delinquent on a bill because they cancelled it and I never once authorized a cancellation! Please help and please please look into this situation!
Consumer complaint received 2017-07-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ARVEST BANK GROUP, INC. (CA)

Today XX/XX/XXXX I talked with Arvest Central Mortgage Co. Supervisor XXXX XXXX. 
Phone # XXXX X XXXX about the paid off Loans- Escrow Refund to me with the check # XXXX the amount of {$1.00}, XXXX The problem that they placed the order of the payee with my ex-husband & my name on it. I could not deposit the check. Because my ex-husband and I had borrowing the loan and both our name on the note since XX/XX/XXXX and the note had been bought by Arvest Central Mortgage Co. in XX/XX/XXXX. In XX/XX/XXXX, we divorced and the court ordered I kept the property and responsible for the note.
XX/XX/XXXX, I have refinanced to the new loan from XXXX XXXX  XXXX and the XXXX XXXX XXXX XXXX overpaid off the Arvest Central Mortgage Co. {$1.00}, XXXX. 

I called Arvest Central Mortgage Co. Representative many times and explained the situation that my refinance new money paid off the loan NOT my ex-husband money. I suggested to provide them the divorce decree court order in XX/XX/XXXX. But they still kept their opinion that my ex-husband on the note and they have refund my new refinance money with his name on it.
My ex-husband and I on the borrowed note back in XX/XX/XXXX but he is not responsible to pay for the note. The court ordered me to pay and I refinanced the new money paying off the loan, how come Arvest Central mortgage takes my money and goes against the court order to pay for my ex-husband?
My ex-husband and I divorced, we do not have the same account with two names on it, we can not deposit the check.
Arvest Central Mortgage does not refund my money under my name, I have no way to get my money back under my name. This is a big amount of money for a single mother working under minimum wage to have the money for my living expenses. This is unfair for me, Arvest Central Mortgage Co. did not obey the divorce court order and tries to keep my money longer in their bank. 

I hope that CFPB can help me to get my refunded mortgage check, under my name only, which had been overpaid off by my new loan. Arvest Central Mortgage should follow the divorce court order to pay for me only. 

I appreciate for your time and help me to solve this problem.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

TransUnion 's had a computer glitch problem that happened twice. That was not my fault or my problem. So it caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. Those inquiries being added back on has made it impossible for me to even be looked at for getting a loan to consolidate my debt. my rights were violated by TransUnion. Will CFPB help me make TransUnion stop victimizing me.
Consumer complaint received 2021-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Social Finance, Inc. (NV)

Sofi restricted my debit card access without a email or response. I tried calling Sofi support and they were unable to address my issue for 2 weeks. Constant calling and leaving messages for no reps to get in contact with me, I had no access to my funds for weeks and finally got fed up and decided to transfer my funds out my account. 

When I tried to do so they flagged my account and said I had to contact support. 

Tried calling " Fraud Prevention '' this morning at XXXX but that number basically doesn't exist. I've called XXXX at every time of the day and it always tells you they are busy. 

Which means they have provided a fake customer service number that actually won't connect with anyone. I called the sofi rep and even SHE couldn't get in contact with them and said she has to email them. 

This is some of worst customer service I've ever seen from a company. Provding users with essentially a fake customer service number that actually never connects with someone to help is extremely shady.
Consumer complaint received 2017-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focus Holding Company (FL)

I supposedly owe XXXX XXXX money owed to XXXX. They have called my place of business saying they are a debt collector when asking for me yet can never be reached through any number even after numerous voicemails to attempt to understand or handle the actual debt. Which has been paid. I still use XXXX time to time currently. I am trying to close on a house and this is the only negative mark on my credit report in years. I am baffled. I can not close until this is remo bed and can not even reach the company. Why call my place of business and not my cell phone. I have never left a work number. This is beyond ridiculous.
Consumer complaint received 2017-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ACS Education Services (VA)

I started at XXXX XXXX College in 2002 in XXXX VA. They made me use my parents income even though I did n't even live with them. Some how I ended up with 4 separate loans and I had no ideal what I was getting myself into back then. The loans went to ACS first which is the company that used my social security number to obtain a loan through XXXX XXXX XXXX without my permission. They took that money and paid the government loans off and began adding interest. After several years they passed the loans onto XXXX and added more money.Now XXXX is telling me that I still owe the government and that As of now I owe them XXXX in accrued interest. And every payment made has to go to the interest and fees first before the principal amount that was originally borrowed. Thats so that they will still have a large loan amount to add interest to because if the loan amount were smaller that would be less interest for them to add. It is totally unfair to have to pay XXXX XXXX for money that I did not borrow. I 've ask XXXX for a copy of the promissory note that they claim I signed but I still have not received any proof. Also I called XXXX XXXX College for proof and they have changed names since 2002 and do n't have any information on me because they said that they did n't scan documents back then but they maybe able to find something signed in some storage place where they send old files but maybe not. It 's a complete scam from both XXXX XXXX and XXXX and ACS. They are trying to collect money that is n't owed. I dont know what to do! I need help with this to get these loans removed and to file a law suit if possible. And as far as ACS taking a loan out with XXXX XXXX XXXX with my Social Security Number is complete fraud. They said it was an electronic signature. I bet it was because It was n't me. If it takes giving this degree back to XXXX XXXX College thats fine with me. It 's useless anyway since they 've changed names twice and ripped so many people off. I have never once use the so called degree. I just want my life back. At this point I ca n't get a car loan or a home loan do to my credit being destroyed by these schools loans. If I owe XXXX in accrued interest that is the same amount of my fourth loan with XXXX so Technically I should n't have a fourth loan. I 've paid what I owed over these 15 years a long time ago. Please help me prove that XXXX ACS and XXXX XXXX College have committed fraud against me and probably many others. Thank you for any help that you can provide and XXXX Bless.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

I was needing some financial relief so I filed bankruptcy in 2021 a XXXX XXXX. I was informed that I didnt need to file and I withdrew and the bankruptcy has been dismissed, and there are 3 cases that have been dismissed. I have attempted to get these removed from my credit report. And I did not give the courts permission to place the cases on my credit report. I have called to get them removed. I have submitted disputes with the credit bureau and they will not remove them, I have uploaded documents showing that the cases were filed incorrectly.
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I personally mailed this letter to Equifax asking for proof of credit inquiries from XXXX, and XXXX and asked specifically for proof of these being accurate and they responded with a form letter in which they did not present any of the information requested. Their " investigation '' that inquiries are a statement of fact have no valid because they never showed proof of them. I have included a copy of the letter mailed to them as well as their response.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

I have filed disputes with all three credit agencies to have this tax lien removed from my public records. They all responded and said that it was updated to satisfied but will continue to remain on my credit report. I have the expungement letter. According to my research when I have this letter it is supposed to be removed COMPLETELY.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have filed disputes with all three credit agencies to have this tax lien removed from my public records. They all responded and said that it was updated to satisfied but will continue to remain on my credit report. I have the expungement letter. According to my research when I have this letter it is supposed to be removed COMPLETELY.
Consumer complaint received 2016-08-24
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (NC)

Freedom Mortgage continues to delay the processing of our short sale application. We are in month XXXX of our battle with this company. Friday ( XXXX ) I reached out to freedom for an update on the status of our recent appraisal. I was told on the phone that the appraisal company was requesting a new purchase agreement. Freedom never contacted us to let us know there was a paperwork issue. When I inquired what was wrong with our purchase agreement I was first told it was outdated. The agreement is not outdated there is not specific closing date and such listed. I pressed freedom on this and their answer changed. They then said ( during the same friday phone conversation ) that the purchase agreement was incomplete. I double checked with our realtor over the weekend, the agreement is in fact complete and correct. I called Freedom back today ( XXXX ) and spoke with XXXX Still who spoke with underwriting while on the phone with me. Underwriter continued to claim that the purchase agreement was incomplete and that she even tried to " push back '' but the appraiser would n't budge. I called the appraisal company myself ( XXXX XXXX XXXX XXXX and his assistant informed me that Freedom has n't yet sent the document. They sent the addendum but not the full document. Not only that, but XXXX XXXX 's office has requested the document once a week since XXXX XXXX. This is yet again another example of Freedom employees failing to do their job. Freedom has now sat on our paperwork for so long ( one year ) that we have lost our buyers and are facing foreclosure.
Consumer complaint received 2017-07-13
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. (MI)

I contacted Transunion on numerous occasions via telephone in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also disputed multiple inaccurate inquiries online and via US Mail. They replied each time that all inquiries are factual when in case they are not. I have a fraud alert on my credit report and unauthorized inquiries that I absolutely did not authorize after several failed attempts with Transunion they have not deleted any of the inquiries. I am trying to purchase my first home and having so many inquiries on my report is slowing down the purchase process.
Consumer complaint received 2019-10-28
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 have a closed credit card on my EXPERIAN credit report with late payments that are negatively affecting my credit score. I did not open this card myself, had no knowledge of it, and was not aware of its mismanagement. Once i became aware of the card, i paid it off and closed it immediately. I have tried disputing with Experian, but have not been successful. I really need and would appreciate some help.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (SC)

I have filed disputes with all three credit agencies to have this tax lien removed from my public records. They all responded and said that it was updated to satisfied but will continue to remain on my credit report. I have the expungement letter. According to my research when I have this letter it is supposed to be removed COMPLETELY.