davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (FL)

In XXXX and XX/XX/2020, Barclays Bank of Delaware reported me 60 days past due on my credit card account. I don't frequently use this card, and never received a statement. Due to the COVID-19 pandemic, I was staying at my house in North Carolina, but I had my neighbor checking my mail multiple times per week. No printed notices were received. Furthermore, I received no phone calls, emails or text messages from the bank notifying me of my past due status. The amount was for only {$75.00} and has caused me material financial harm by lowering my credit score almost 100 points. I brought the account current, and I keep getting the runaround from Barclays on how to fix this problem. I am asking that past due entries be deleted, and my account reported as " current '' for the months it was reported as past due. Not only did I not receive statements, I also believe the bank did not make reasonable efforts to contact me via phone call, email or text message especially in light of the exigent circumstances related to the ongoing pandemic.
Consumer complaint received 2021-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (NY)

Original fraudulent charge was on XX/XX/XXXX. I got an immediate notification in real time of the charge. It was from XXXX XXXX for {$1400.00}. I call Apple and Goldman Sachs ( its an AppleCard which goes through GS bank ), they change the card number immediately. While on the phone with them, the fraudster then tried to charge the same thing again, of course it was declined. I feel like it should have been dropped just based on this, but no, it is STILL ongoing 4 months later! 

I then contact XXXX XXXX, who direct me to contact my bank XXXX again XXXX, there is nothing they can do on their end apparently. Especially 4 months later now. I don't know why they couldn't just cancel the order and refund me, knowing it was a fraudulent charge. Since then I've talked to XXXX XXXX 3 to 4 times. I've tried to get the IP addresses of where the orders where made from. They informed me they can't provide that information, even though Goldman Sachs has stated on the phone that XXXX XXXX has provided the IP addresses to them. All I know is it was to a football game, the date of the game and the section of the seats. Thats all I have! 

Since then I sent them all the 'evidence ' I could find, including my conversation with seat geek, I have also done some digging and found that 95 % of fans in the crowd were cardboard cutouts, I also cross referenced the section and row in question, found a live stream of the game and attached screenshots.. I obviously wasn't there, so they can have fun trying to find me. I've talked to reps from GS for hours now, over the course of the 4 months, as well as convos with XXXX XXXX and Apple. 

It has now been disputed 4 times, I have never received the 'evidence ' GS says they have as to why they ruled in favor of the merchant other than a confirmation email. Well of course if the hackers got my CC number, they got my email, they are connected on the same account! So I'm not even sure how I'm supposed to defend myself. I'm not sure what real evidence they could have, as the charge is completely fraudulent, yet they never sent me any explanation. I'm not sure, but there should be laws against this. How can they not provide me what evidence they used in order to rule in favor of XXXX XXXX XXXX merchant )? Oh and the last time I spoke to GS, they said they have the XXXX address of the charge, yet they wouldn't tell me what it is. It's all very shady to me. 

The latest dispute was XX/XX/XXXX, and GS ruled in favor of the merchant a few days later. 
Now Goldman is telling me there is nothing they can do. I have reached out to Apple, and they now have a rep trying to help me. Thank god, as I don't know hat else I could do. I hope this all makes sense, please call me if you need clarification on anything!
Consumer complaint received 2020-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (VA)

We made a normal payment as well as a principal reduction payment. The total was XXXX. XXXX or so was to go to the normal XXXX payment and the remainder was to go to principal reduction. Instead they put the remainder to the XXXX payment and only a few thousand to principal reduction. This cancelled a lot of the principal that we were trying to pay down as well as insuring that we paid way more interest.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX loan servicer a third party debt collector is reporting an account THAT IS CLOSED!! on my credit report : Potential Account number XXXX showing on ALL my credit report. 
The reports states a balance still owed, but this account have been paid off and closed as shown on all my other report from XXXX, XXXX  and even transunion prior to XX/XX/2023! I am attaching proof of the reports that shows they are reporting inaccurate information that are affecting my credit worthiness without verifying accounts and my consent! 
I sent many dispute letters via certified mails and they are NOT RESPONDING!! and violate the cease and desist notices i sent. 
Per 15 U.S. Code 1681 Without them being able to provide me with theproof of the debt, I am requesting that XXXX and all credit bureaus to remove this CLOSED account immediately from my credit reports that is causing damage to my name and credit worthiness. i need the CFPB to have them comply with the laws and preserve my rights! Thanks for your help.
Consumer complaint received 2023-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NY)

On XX/XX/XXXX, I received a letter indicating I had an escrow shortage of {$7300.00} from Freedom Mortgage. This is inaccurate. I immediately contacted them and have had approximately 22 phone calls with various customer care agents, tax department specialists, escalation specialists, and general mortgage specialists to no avail. Again that's 22 phone calls. Yesterday, XX/XX/XXXX, after another hour on the phone with an escalation specialist, I realized that on XX/XX/XXXX I would be issued a late fee for non-payment for XXXX, as well as assessed a credit report negative score if I didn't pay their amount which is {$2700.00}. My normal mortgage is $ XXXX. so that's {$1000.00} a month difference. I can't afford that, and have spent five weeks trying to fix this. At times I didn't understand it myself, but I understand it perfectly well and I don't know why I have such a high mortgage payment. They got the county tax wrong and finally fixed it but they still don't understand the school tax. I do. They say I have a {$4700.00} shortage when in fact I should have less than a {$2000.00} shortage. I don't know why this raises my mortgage {$500.00} a month! it's illegal, malfeasance, and they refuse to negotiate and/or explain themselves and I can't wait any longer. Enough terrible service and super-high fees with no solution!
Consumer complaint received 2023-03-29
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 have been lied to about my credit score. XXXX XXXX has me down as a XXXX credit score, when XXXX says totally different. They have me as a XXXX credit score. Also there is inaccurate account information that needs to be removed in regards to a debt that has already been paid.
Consumer complaint received 2020-04-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK (IL)

I called Discover Student Loans on XX/XX/2020 to request the 90 day forbearance due to COVID-19 as outlined by Governor XXXX. Multiple representatives told me Discover Bank is only allowing a 60 day forbearance at this time, despite the XXXX  website listing Discover as one of the lenders participating in the 90 day forbearance. I ultimately enrolled in the 60 day program but would like this extended to 90 days if possible.
Consumer complaint received 2018-07-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shermeta Law Group, PLLC (MI)

TO : Whom it May Concern FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX, MI XXXX XXXX XXXX, MI XXXX RE : Fraudulent Misconduct by Collections Company SHERMETA LAW GROUP PLLC Case # XXXX, XXXX County File # XXXX Plaintiff : XXXX XXXX, Case # XXXX XXXX XXXX   XXXX XXXX, MI XXXX ( XXXX ) In Reference to previous CFPB complaint 's # s XXXX & XXXX & XXXX 3rd Complaint! They still can not get it correct! 
The Fraud and Misconduct continues by SHERMETA LAW Group PLLC, Third ( 3rd ) complaint! This is with regards to information obtained from the SHERMETA LAW GROUP resolution dated XX/XX/XXXX. Its been 17 days since the refund check has been mailed. Less than 40 miles between the Law Firm and my current residence. Have NOT received any correspondence from XXXX XXXX XXXX! From looking at the response from SHERMETA it has an old address even though my current address is in their files. See included 3 letters each showing correct address from SHERMETA LAW GROUP and XXXX XXXX clearly showing correct current address as was given to both in XX/XX/XXXX. Problem being this, check that issued was supposedly mailed to me on XX/XX/XXXX shows an old address that I have not resided at for almost 2 years! They clearly have my current address! so why is the response addressed to an old address not used for almost 2 years? Why not send it to my current address? Was it really sent? Since so much time has elapsed since moving the USPS does not nor will not continue to forward mail beyond 12 months! Also, I am and have been using USPS Informed Delivery service for the past 18 months and have never received notification that anything from SHERMETA LAW GROUP is in the mail to me at my current Address!

My complaint is that SHERMETA LAW Group PLLC had knowingly sent the refund check to an invalid address while knowing the correct address as shown on the included 3 documents. Continuation of improper handling of legal matters. If check has been submitted for payment it has not been done so by or for me! That it takes, so far 3 complaints, to get items taken care of that are legally, ethically and morarally correct! 
WHAT DOES IT TAKE FOR A SUPPOSED PROFESSIONAL LAW FIRM/COLLECTION AGENCY TO DO AS THEY SAY THEY WILL AND DO IT CORRECTLY THE FIRST TIME! 
The resolution I would like ( Expect ) to see is the return of the full amount ( {$520.00} ) of the Michigan Income tax refund Garnished to myself AT MY CURRENT ADDRESS ( see above for address ), since this is the resolution expressed by SHERMETA LAW Group PLLC in the previous complaint in a timely manner. If check has been submitted for payment it was not done by me or in my behalf and request a NEW check be reissued for the amount of {$520.00} USD be mailed to me at : XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, MI XXXX in a timely manner.
Consumer complaint received 2024-02-22
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. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-09-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (GA)

XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XX/XX/2020 XXXX XXXX Loan Officer Flagstar Bank Consumer Complaint Division ( if you have no specific contact ) Regarding account number : XXXX Dear XXXX, On XX/XX/2020, I received an initial disclosure and loan estimate to refinance a mortgage loan. As the first estimate, it was stated that the loan would close within 45 days upon the submission of the required documentation on my part. The documentation was submitted within the requested timeframe. 

Unfortunately you have not being able to fulfill this loan within the initial disclosure time. The disclosure time has been extended four times with the last extension loan estimate being closed on XX/XX/2020 and additional loan fees of almost {$2000.00}. This is not acceptable. Because this is still ongoing and the current interest rates are lower, the loan would be less if it reflected todays interest rate. We have also had to postpone other business obligations that have accrued even more costs for us. We are extremely disappointed that this is taken almost over six months to close this transaction. We request a lower loan cost that reflects todays much lower interest rates and final closure of this process for the loan by XX/XX/2020. 

We look forward to your reply and a resolution. I will wait until ( XX/XX/2020 ) before seeking help from a consumer protection agency or XXXX XXXX XXXX. Please contact me at the above address in my signature or by phone at XXXX. 


Sincerely, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : ( XXXX ) XXXX
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

Hello I reached out to this merchant regarding a fraud credit card that was opened on this account the merchant informed me that they couldn't verify that I didn't benefit from the credit card so they cant help me remove this negative item that does not belong to me from my credit I asked to the creditor to send me identyinfg documents to verify who opened the account up and they could not they also don't have anything that associates me with this credit card except for my ssn no other documentation they have on file belongs to me this account was opened via the internet per the representative so they are assuming this is my account and it does not belong to me
Consumer complaint received 2023-01-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

I XXXX XXXX with Mortgage Company Select Portfolio Servicing. My loan number is XXXX. I am writing in this complaint concerning the too high modification plan. I am asking van you lower the mortgage plan or revise or maybe consider m income on the front end so that I could pay the requested amount of a lower mortgage. I am trying to work with the mortgage company to please help me so that I can stay in he home. I received paper work today and I noticed in he paperwork that on XX/XX/2023 my mortgage is supposed to be 4 % interest rate and my mortgage will b XXXX for 12 months. Can we please go with that plan and put all payments that are late on the back end of the loan. I feel that I am truly being discriminated against. I am asking and willing to pay a less amount that which was the original payment agreement. Select Portfolio has done it before and did not double the mortgage payment at that time. Can my mortgage payment be what was previous agreed upon of XXXX beginning XX/XX/2023 please. I need help in this matter. I also did small home repairs. I already know I will not get what I am asking for because of my race and XXXX. I know foreclosure papers will be sent out. I m jut asking for mercy in this matter to move forward with a affordable mortgage and be happy.
Consumer complaint received 2023-07-26
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-27
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. (FL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2018-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (AZ)

This company is threatening to file a collection on my credit report for a credit card debt that is not mine.

I have never had a credit card with XXXX  in my life. I am a military veteran and have only ever banked with usaa. This company is comitting fraud and abusing it's authority by threatening my credit rating.

1. I live in Arizona and the state has a 6 year statue of limitations on debts.

2. I have never had a XXXX credit card or any credit product from them.

3. This debt is not mine. Never have I had a credit card from XXXX.
Consumer complaint received 2020-06-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

this process took more than 30 days on XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX, XXXX. 

I did not hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these people yet
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I began disputing these items with the Credit Bureaus on XX/XX/XXXX. I sent follow up letters onXX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.
Consumer complaint received 2023-01-31
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, I got a problem from paypal account. Saying that I'm no longer do business with Paypal. I received this email last XX/XX/2023. I'm just accepting the customer payment thru this wallet. 

Please help me to restore this account. 

Thank you.
Consumer complaint received 2017-08-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

MY our case XXXX. My account has been limited on XXXX XXXX,2017 and I have {$850.00} in there. I was told that my funds will be on hold for 180 days and I will be able to withdraw then. Please release my funds its been 180 days since I 've been waiting
Consumer complaint received 2017-08-01
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. (LA)

Under the new law effective XXXX XXXX, 2017, any public record data must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The credit bureaus have not updated the information and per the new law the Bankruptcy listed does not include this information and should be deleted from my credit reports.
Consumer complaint received 2018-07-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CO)

I was on a repayment plan and have defaulted as we had other bills in place. I advised them I would like to get back on that plan but am unable to repay the defaulted amount. They said the only way to get back on a payment plan is to increase my monthly payments which I can't afford to do. So they call me 3-7 times a day starting at XXXX XXXX. My husband is a cosigner on my loan so they call him 3-7 times a day. My husband also has a student loan. He is in the XXXX and was supposed to have his XXXX XXXX applied to his loan, which we told the loan company but they don't care, they just say well it's not. They want us to pay just as much for his loan as we do for mine which I can't afford. We tried to apply for income based-but we make too much money. They don't take into account all of the monies that we pay out. So they call us 3-7 times or more every day from multiple phone numbers. We have asked them to not call us from dialers hoping to lessen the number of calls, but it hasn't lessened it at all. I don't feel like it's fair that a normal debt collector can't harass you like this, but that Navient is allowed to do it.