davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-27
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: EQUIFAX, INC. (UT)

I filled a I filled a Dispute in regard to the inaccurate items on my credit report its been will over 35 Days. I am distressed i haven't requested any information on the investigation.
Consumer complaint received 2020-11-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC. (VA)

I called in XXXX of 2020 for an extension, due to being a XXXX XXXX XXXX  going to an unpaid internship. The extension was not processed. I called back again XX/XX/2020. It was still not processed. They said they would and never did. Now they are saying my car is in repossession status. After I've called n spoke with everyone including a manager. I'm a XXXX  XXXX  in college. The extension was suppose to be for two months. Now I'm two months behind on top of that I have late payment fees, two negative post on my credit bureau report saying I'm delinquent saying my score has dropped 45 points. I've not had a delinquent account in over 4 years. I'm furious and I will hire a lawyer if need to. This is absolutely ridiculous. I will go threw all platforms of reporting a company until someone fixes this situation. This is unfair and horrible customer service. I'm an active XXXX  who prior to these two months have been serving the community during the pandemic and I've not missed one beat of payments. I'm very upset. I feel disappointed and disrespected and not valued as a customer.
Consumer complaint received 2019-11-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: GOLDMAN SACHS BANK USA (IL)

I would like to apply for the Apple credit app, so that I can use my phone to make purchases through the Apple program. However, I understand that this program is handled by Goldman Sachs. Numerous testimonials, including those by a founder of Apple and his spouse, have surfaced demonstrating that the credit granting process being employed discriminates against women who are applying jointly with their spouses using the same income and assets to qualify for the credit. In some cases the amount of credit limit assigned to men is more than 10 times that offered to the joint woman applicant. At a minimum, this has the impact of discriminating in the granting of credit on the basis of the prohibited basis of sex. While there may be no overt discrimination, the algorithms and other analyses being used in the credit granting process clearly are resulting in discrimination in the amount of credit being granted. This appears to blatantly violate the Equal Credit Opportunity Act. What is the CFPB doing to ensure that Goldman 's policies are being scrutinized for this discrimination in the granting of credit?
Consumer complaint received 2020-04-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (NE)

I want to apply for the Cares act forbearance on my home mortgage but my mortgage lender makes it sound like I have repay the lump sum at the end of all this. I copied from their page what it says exactly. I have posted below what they are saying. It is from Guild Mortgage. Thanks for taking the time to look this over. Have a great week and stay safe out there! 

" Yes, the forbearance plan is a temporary relief option. 

The payments missed while on the suspended forbearance plan will become due upon conclusion of the forbearance period. 

We recommend that if you are able to continue making payments during the forbearance that you do so. Please contact us to make arrangements if you wish to make partial payments. 

If your account is impounded or escrowed for taxes and insurance, Guild will continue to pay your taxes and insurance as they come due while you are on a forbearance plan. However, this may create a shortage in your escrow account and an increase to your monthly escrow payment the next time an escrow analysis is performed. 

If you wish to pay escrows/impounds for taxes and insurance during your forbearance period in order to reduce the future escrow shortage, please contact Guild Mortgage to make arrangements prior to sending the amount. 

In summary, forbearance can provide temporary relief from your mortgage payments ; however, at the end of the forbearance, you will have to reinstate your loan by paying all your missed payments in a lump sum or apply for additional options. 

We recommend that you evaluate all alternatives and wait to apply until you determine that you will be unable to make your payment. For example, the CARES Act provides options for no-penalty withdrawals from your 401K. * Additionally, you could file for your tax refund, if you havent already. That way, the assistance options we provide will help you in the months that you need it the most. ''
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This account is being reported as delinquent since the bankruptcy in XXXX. I pay this account religiously " every month ''. 
I am also not able to receive credit score because the monthly payments are not being reported.
Consumer complaint received 2021-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD BANK NO ESTA CUMPLIENDO CON XXXX POLTICAS DE {$0.00} XXXX DE XXXX A XXXX XXXX DE XXXX DE XXXX XXXX QUE XXXX XXXX DE XXXX XXXX QUE MI XXXX XXXX XXXX XXXX A MI XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX QUE FUE XXXX DE MI XXXX DE XXXX XXXX XXXX XXXX XXXX A VER VISTO EN XXXX XXXX QUE REALICE XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX DE MI XXXX DE XXXX XXXX AL XXXX XXXX XXXX DE XXXX AL XXXX DE XXXX XXXX DE QUE HABIA ACTIVIDADES XXXX XXXX MI XXXX DE CHEQUE XXXX DE XXXX AL XXXX TD BANK PARA CANCELAR Y REPORTAR XXXX XXXX QUE XXXX XXXX DE XXXX XXXX XXXX PROCED A CAMBIAR XXXX XXXX DE XXXX PERSONAL YA QUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX QUE DICE QUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX PERSONAL QUE XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX DE XXXX PERSONAS Y YO XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX QUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE SER PROTEGIDO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CUMPLIR CON LA XXXX DE {$0.00} XXXX DE XXXX A XXXX CLIENTES DE TD BANK. XXXX XXXX XXXX XXXX. 

XXXX DE XXXX XXXX {$5400.00} XXXX NMERO DE XXXX {$1200.00}
Consumer complaint received 2020-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (RI)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

The Chapter XXXX Bankruptcy is not accurate some of the things that are reporting is not correct. This inaccurate reporting is causing issues with my credit. I have been sending them information since last year on this matter. I have documents to support my argument.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

My name is XXXX, and I am writing to bring to your attention an issue I have identified on my credit report. Upon reviewing the report, I noticed that there are addresses listed that is marked as a non-mailable address. I understand the importance of accurate information on credit reports, and I would like to request the prompt removal of the non-mailable address mentioned above. These addresses are no longer valid, and its presence on my credit report may impact the accuracy of the information presented.

To facilitate this process, I kindly request that you investigate and remove all outdated and non-mailable addresses associated with my credit profile. Ensuring the accuracy of my credit report is essential to my financial well-being, also remove all aliases of my name as well I appreciate your attention to this matter. Under the provisions of the Privacy Act of 1974, I have the right to ensure that the information contained in my credit report is accurate, relevant, and up-to-date. Therefore, I kindly request that you investigate and remove all outdated and non-mailable addresses associated with my credit profile.
Consumer complaint received 2015-09-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Re : Consumer Financial Protection Bureau Case No. XXXX In Case Of Trans Union LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXThis message will confirm receipt of Consumer Financial Protection Bureau, and in response to Trans Union LLC sent to Consumer Financial Protection Bureau in reference to Case No. XXXX, and continued dispute with Trans Union LLC that the information in my credit report is not accurate ( the account is not mine ) that references " XXXX XXXX Formerly XXXX # XXXX '' and should not be in my credit file, please delete at once. 

Additionally, attached, please find photocopies of verifying documentation in support of Case No. XXXX, which I am providing the following information and accompanying evidence so that Trans Union LLC can correct my credit file : XXXX Statement dated XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX, XXXX ; and XXXX XXXX and XXXX XXXX -- XXXX Pay dated XXXX XXXX, XXXX. 

I recently discovered the proper and correct address that governs the taxable that XXXX residence premises evidenced by official records maintained by XXXX XXXX revenue authority and the agency that issued and approved the final occupancy permit certificate number XXXX, and final approved building/zoning certificate number XXXX on XXXX XXXX, XXXX, in connection with tax map identification numbers beginning with XXXX and XXXX ; and " Parent '' parcel identification number beginning with XXXX. Accordingly, expunge at once any reference regarding all created variations of the situs address that does not exactly match the address ( that is the situs address ) identified on final occupancy permit certificate number XXXX and final approved building/zoning certificate number XXXX. 
This negative mark is damaging my credit and my reputation. Please delete the information referencing " XXXX XXXX Formerly XXXX # XXXX '' at once and issue me and anyone who has requested a copy of my credit report with the previous six months or within the previous two years if requested for employment purposes a new credit report. 

I certify the information provided is true and accurate to the best of my knowledge and belief, which is also germane to the following land parcel data : Sincerely, I am /sXXXX XXXX XXXX on behalf XXXX XXXX XXXX Without XXXX, United States XXXX XXXX XXXX. ) XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2021-09-22
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 (HI)

PayPal is blatantly lying in plain sight of the CFPB. 

A few weeks ago, I submitted the first complaint on behalf of my PayPal account under XXXX XXXX which states that 1. I provided a proper W-9 form for PayPal and they didn't accept for reasons undisclosed. The representatives seemed completely unfamiliar with the issue.

2. My account, which hasn't processed a single transaction NOR has it received a - significant in any way relative to the reserve amount - amount of complaints in months, no longer provides a reserve-worthy risk to PayPal.

In their last response, they said that they determined that my account still provides risk to them, which is a blatant lie. I'm sure they have my money invested somewhere and they're earning a % on it.

They also said my W-9 was incomplete. That was not truthful either. I will provide the W-9 in the attachments to prove this.
Consumer complaint received 2023-02-08
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. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-04-25
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS.
Consumer complaint received 2017-09-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (PA)

I am write for XXXX XXXX XXXX XXXX XXXX us sue him a cop delivered him civil used papers. To collect a debet he does n't have no money at all. We all ready talk to them they said send it to credit bureau ....
Consumer complaint received 2024-05-29
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I have a problem with two banks that laundered a {$12000.00} check to the IRS that was stolen in the mail. The check was written on my XXXX account and cashed by Wells Fargo. Wells Fargo continues to claim the statute of limitations has expired with is not true since California law covers the banks. XXXX told me they were contacting Wells Fargo a second time and to contact them after a certain date. When I contacted them, I found they chose a date that was past the 60 days the CFPB kept the case open. And they told me that Wells Fargo continues with their erroneous claim that the statute of limitations has expired. Furthermore, XXXX told me Wells Fargo knows who stole the money and told them but they would not tell me because they expected me to seek revenge. These banks have learned how to game the system. I now have to initiate legal proceedings. 

I will attach the original complaint. 

Since XXXX has already refused restitution, this complaint is now against Wells Fargo Bank.
Consumer complaint received 2020-04-25
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NY)

Macy 's American Express credit card owed me {$860.00} ; customer service would never answer calls or intentionally disconnect calls ; i requested the balance of {$860.00} to be sent to me in the form of a check instead i received a check for {$8600.00} ; i tried to call customer service numerous times without avail, their website statement showed that somehow i " owe '' the credit card {$7700.00} although i never used this card since XXXX of 2019 because of their problematic activity ; when i called customer service i was rudely told i " requested the money " from the card and would be charged for it ; i tried to deposit check for {$8600.00} and it " bounced '' ; credit card explained they canceled the check and told me that i would be responsible for the feel related to bounced check, they acknowledged they made a mistake because the check was for the incorrect amount but did not feel i had to be notified either by phone call, message, or e mail not to deposit the check, as of right now, card billed me for {$7700.00} and refused to withdraw charges/refund fee for bounced check ; customer service would not answer calls
Consumer complaint received 2020-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 I made a 3 check deposit at the bank of America drive thru ATM. At the same time I tired to withdraw {$1000.00}. Nothing came out, neither cash or receipt. immediately after I called customer service and spoke to XXXX on the phone. he said to go into the branch and try again because the money was still there and not to worry. I tried to withdraw inside with no luck. ATM said I could not withdraw a second time. At this point, since I had been a 30 year customer I trusted that the money would be there tomorrow. I called multiple times asking about the missing money of {$1000.00}. On XX/XX/XXXX they gave me a temporary credit of {$1000.00}, while the case was being investigated. Again, I trusted the system that everything would be resolved. On XXXX they sent me a letter saying they were taking the {$1000.00} back due to their findings. No explanation of what they found. Claim # XXXX. Called customer service and spoke to XXXX, XXXX and XXXX. They all said I need a subpoena to access their findings.