davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (FL)

As a client of XXXX by XXXX XXXX, I participated in the referral program whereby inviting a friend to open an account earned me an additional percentage point in APY rate in my saving account. 

Want to earn an additional 1.00 % APY on your XXXX XXXX account? Here 's how! 
With XXXX Referred our rate-boosting referral program current and new customers can get a rate bonus on our Online Saving Account for 3 months My friend opened a new CD account, using the link that I sent him on XX/XX/23, therefore he doesn't earn the bonus, but I did, because I referred him. 

The bank has refused to apply the bonus to my account, I have tried several times to have the bonus applied to me through XXXX support, and the request has been ignored. 

At some moment they told me through the support chat that the person named I referred ( AR ) had to contact them and request the manual application of the code because the link with which the account was opened had not been applied correctly or automatically. 

My friend spoke via support chat receiving multiple refusals to apply the bonus to the person who had referred him, because he opened a CD and not a saving account. 
My friend called support and his request was repeatedly denied. 

I request that this action be investigated in accordance with the regulations set forth by XXXX in his application which I share below : XXXX by XXXX XXXX Referral Program Terms Existing Customers As an existing XXXX deposits customer, you can receive a promotional XXXX Referred Rate ( defined below ) on all of your XXXX XXXX Savings Account ( s ) ( each an OSA ) after a New Customer ( defined below ) opens a new OSA or Certificate of Deposit ( CD ) using your unique referral link ( a Successful Referral ). Adding a joint owner to an existing OSA will not count as a Successful Referral. Your unique referral link will be accessible in the XXXX Referred Center. You can access the XXXX Referred Center by logging in and selecting XXXX Referred in the menu at the upper right corner of any page.
Consumer complaint received 2016-07-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (OH)

Someone tried to charge {$35.00} on my American Express credit card on XXXX/XXXX/2016. This same person has hacked into XXXX computers, changed my passwords and stalks me via computer and android cell phone. Places false website businesses about me using my email addresses which were hacked and are controlled by someone else.
Consumer complaint received 2016-08-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

Select Port Folio is my mortgage company, I have submitted financials and request for mortgage modification several time over the past few years. 
SPS has n't assisted me with my modification request. I 've spoken with Client services several times. I 'm informed I 've been mailed correspondence regarding the modification and I have n't received any correspondence. 
I do receive the property foreclosure sale notices. Please assist me with obtaining obtaining a mortgage modification. Received foreclosure letters from attorney Per the statue Tennessee code annotated homeowner is suppose to receive proper notice 30 days prior to foreclosure. 
prior to foreclosure sale date.
Consumer complaint received 2020-05-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (OR)

I traded in my XXXX XXXX XXXX to XXXX XXXX XXXX XX/XX/XXXX. They sent the pay off of {$17000.00} to Kia Motor Finance which was applied to my account on XX/XX/XXXX. This payment actually over paid my loan balance which at the time was {$16000.00}. Kia Motor Finance now is holding over {$400.00} of my money as an over payment, and I have yet to receive it back from them. I have contacted Kia literally every day at different times of the day by phone, which I have not been able to reach anyone. Their phone system says no one is available and hangs up on you. I have also sent them messages through their " contact us '' email portal on their website and they have not responded to those email messaged as well. 
I reached out to Kia via XXXX, by posting on their XXXX  page and sending them a message to receive a message back from them saying that they can't help me and to CALL Kia.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is an account that is settled on my credit report reporting as derogatory. Both the account status and the comments on both XXXX and Transunion are reflecting as paid/settled however the payment status is reflecting Collection/Charge-off.
Consumer complaint received 2020-01-11
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$25000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT -- XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/1999 with a credit limit of {$25000.00} -This is not my account.
Consumer complaint received 2015-10-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MD)

On XXXX XXXX XXXX, I wrote to Equifax disputing my current mortgage on my credit file ( XXXX or XXXX ) is currently reporting my first delinquency date being XXXX XXXX. I had supplied documentation ( enclosed XXXX to them outlining that the previous servicer XXXX XXXX XXXX XXXX XXXX was reporting on my credit file that my first delinquency date was XXXX XXXX. 
On XXXX XXXX XXXX, Equifax written a response ( enclosed XXXX that XXXX is no longer reporting because of the date of the first delinquency XXXX XXXX XXXX ) being reported on my original credit report dated XXXX XXXX, XXXX XXXX enclosed ) is beyond the 7 year statue of limitations. 
Equifax also responded on XXXX XXXX, XXXX that XXXX XXXX XXXX XXXX XXXX XXXX XXXX account does belong to me. I never had mentioned in my previous dispute ( enclosed ) that the account was not mine. I specifically disputed that my original servicer ( XXXX XXXX XXXX XXXX was no longer reporting on my credit file and XXXX should also not be reporting as well and nothing else. 
I also have provided a previous credit report dated XXXX XXXX, XXXX before the loan was transferred over to XXXX on XXXX XXXX, that the date of first delinquency did not change and it was always shown as XXXX XXXX XXXX see bottom of page XXXX going into page XXXX of the XXXX page document and the highlighted page is included ). 

Please also keep in mind that the other XXXX repositories XXXX XXXX XXXX are no longer reporting this trade-line. 
The desired resolution I want to have occur is that the account XXXX be removed from my credit file because the date of first delinquency was over seven years ago and is now obsolete and be removed just like the previous servicer XXXX XXXX XXXX had done in which Equifax had admitted in its XXXX XXXX response to me.
Consumer complaint received 2017-02-28
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: CASH AMERICA INTERNATIONAL, INC. (TX)

They are repeatedly calling my job, over and over again. I have asked them to stop and so has my employer. They told me even if i no longer work there it does not matter they will continue to call my job and that I have no recourse.
Consumer complaint received 2016-02-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom it may concern, I am a victim of identity theft which in the process i have fradulent and wrong, personal information in the transunion credit file that belongs to me. I am going through a finiancial burden and i am unable to get a loan of any sort due to the fact that infromation on the transunion credit file is not mine. My transunion credit score and my fico score are to low and will be able to be evenhigher and better if these wong and fradulent, personall information can be corrected to the best to the best of my knowledge. The information is incorrect and i am trying to fix and make sure that all my personal information is corrected and passed on to all the credit bureau agencies. i have been denied credit in the past 10 to 60 days. I know it is a crime to give false information to any local, state, or federal instuiton or agency therfore i am giving transunion the opurtunitty to help me resolve these problem as soon as possible. So to my best intrest all the information that i have and will give to transunion and the cfpb is correct and can be and will be able to be prooved with any or all legal documents to be provided by me. 
Please Help me i do not know what else to do. Please advice. Thanks
Consumer complaint received 2017-02-15
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

My wife has a student loan and was a little behind. They call my number ( husband ) asking for her. When I ask who 's calling they first only give a first name. I press and they will say for a personal business matter. If I keep pressing they acknowledge they are calling from Citizens Bank on behalf of XXXX. They are now calling me twice a day, even though I already answered their first call today. I told them it 's too late to be calling, yet alone a second time in 1 day. He said they will call as late as XXXX.
Consumer complaint received 2015-05-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I understand I 'm entitled to a free XXXX credit report when I am a victim of fraud, which I have been. However, there is no one to talk to at the XXXX credit bureaus and no way that I have seen online to order a XXXX free report.
Consumer complaint received 2015-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I used to be a subscriber with XXXX in the past. I have since cancelled my subscription with them in 2012. my agreement with them did not include payment of termination fees. They put the sum of {$280.00} XXXX amount owed to them in my credit report. They have been recycling this in my credit report for some time now. They once took it out and re-reported it again. This is fraudulent and I want it removed from my credit report.
Consumer complaint received 2016-10-10
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (VA)

The instrest for the loan is 890 % I was not told this was going to be this much. I borrowed XXXX and the intrest is XXXX every two weeks. Nothing is going to the principil. I still owe XXXX to pay this off after making paymnets. I called and they said I was charged the lower intrest.
Consumer complaint received 2016-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (WI)

I was in the process of trying to get a mortgage and when a new credit report was pulled an account from Enhanced Recovery was reporting. I had a representative contact them because time if so of the essence. I currently have XXXX so I was surprised that they indicated they were collecting for XXXX. I would have paid this had I gotten notified but never did. My representative asked for a number to reach XXXX and was told they would not give the number. I have called several XXXX number and have gotten nowhere. What worries me now is how do I know this is truly mine? Like I said I have XXXX now and if they ca n't give me a phone number to contact the original company how can I know this is a valid account?
Consumer complaint received 2015-10-23
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: ALLY FINANCIAL INC. (PA)

I am overseas and my debit card was flagged and taken from me. I informed my bank that I was traveling well beforehand and on more than XXXX occasions. After many mix-ups, I was sent a new debit card that does not work and the bank has not been willing to correct for all the mistakes they have made. As a result, I am abroad with no access to my funds.
Consumer complaint received 2015-07-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Systems,Inc. (TX)

I have tried to escalate this account to the Collection Agency as well as the Collection Reporting Agencies with no success. 

I have been a victim of Identity Theft and have tried to clear the harm caused with no success. I have opened a case with the Federal Trade Commission ( Case XXXX ) as well as the XXXX County Police Department ( Police Report XXXX ) as well as the XXXX Police Department.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

This credit reporting agency engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. A dispute was sent in XX/XX/2023 and they to do a proper investigation or acknowledge my dispute. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

I did not authorize these inquiries nor do I recognize them. Theres an error in my credit report which is a defamation of character and Im asking that these inquires be removed. XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Pursuant to 18 usc 8 I owe no debt, these companies are violating my consumer right to privacy pursuant to 15 usc 1681 b 2 these companies had no permission to report anything using my info pursuant to 15 usc 1681 4.
Consumer complaint received 2020-10-19
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. (TX)

I have been mailing letters requesting that items on credit report be verified with detailed information sent to me, as well as other information that were reporting inaccurate to be removed, and lastly I have gotten no response from them in regards to my requests. I have not been notified when an investigation was launched yet alone if it was completed. This problem has existed since XXXX of 2020. It frustrating because the inaccurate information and unverified accounts are causing mishaps in my finances.
Consumer complaint received 2016-05-06
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MD)

I applied for a loan from Big Picture Loans and I was approved for {$1000.00} and I was told that I would have a finance fee of {$250.00} which would mean I would pay back {$1200.00}. I just started paying the loan and when I saw the amount of payments and how much I would be charged I was appalled! I am being charged 582.0813 % in interest which would make my final pay off {$7300.00}. I started making payments XXXX XXXX, XXXX and this loan has me making payments until XXXX XXXX. I am willing to pay back the loan and the finance charge but I really do n't want to end making payments of {$7000.00} for a {$1000.00} loan.
Consumer complaint received 2022-09-06
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: TD BANK US HOLDING COMPANY (OH)

On XX/XX/XXXX, the company I worked for used my personal credit card to make purchases from XXXX and XXXX instead of my business credit card, unintentionally. When I first noticed the charges on my personal card I reported them as fraud, not realizing what had happened. Once I realized the error, both companies were paid with the correct company credit card. I contacted TD Card Services to tell them that the charges weren't fraudulent, but still made in error. Rather than continue my dispute of the charges they closed the dispute and put the charges back onto my personal credit card. For months I called to inquire about the credit being placed back on my card. On XX/XX/XXXX, per TD Card Service 's request, I faxed them the receipts from each company that clearly show that my personal card was charged, then returned to my personal card and paid with the company credit card - yet still the credits were not put back onto my account. Recently, they told me there was nothing they could do and to contact the merchants for a refund. In doing so, both merchants told me that they accepted the chargebacks in XXXX of XXXX and that my credit card would have to return the funds since they no longer had them. I provided this information to TD Card Services and continue to call them regularly - each time I get a different response. Some say they can see in their system where the chargebacks were accepted by the merchants and that I am due credit, promising escalation of my dispute to supervisors. Some tell me that they can not help me because my dispute was closed. Since this all began in XXXX of XXXX, I have been paying interest on the {$4700.00} that was charged to my card as well as over limit fees. Again, some calls to TD Card the representatives assured me all of these would be refunded, some have said that after the dispute is resolved I can request those be refunded from customer service, and some telling me there is nothing they can do.
Consumer complaint received 2016-10-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (CT)

In XXXX XXXX XXXX XXXX who I thought I had mortgage with was sold to XXXX XXXX XXXX XXXX and the mortgaging service company Shellpoint took over the servicing of loan. I have been with them a year, and early on they over charged us, then did not pay taxes for XXXX and now again they are two months late with paying my taxes for XXXX. Clearly my credit will be affected if taxes are not paid. 
I asked if I could switch mortgage servicing companies and was told that I could n't or I had to refinance, which is not an option for me right now. Please advise Is this true?
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2015-05-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NY)

We have been delayed in our mortgage payments for the past months because of a XXXX and Wells Fargo Mortgage XXXX tried to enroll us in their loan modification program. We were asked by our direct contact in the company to remove some liens on the property so we can move forward with the loan modification application which we did by going to the XXXX courts and have the judgments vacated and liens removed.. Unfortunately, as soon as we have submitted the court documents, Wells Fargo informed us that the court documents are not enough paperwork for them to get us on board with their loan modification process and that we are headed to foreclosure. We have documentations of ALL communications sent over to Wells Fargo as well as confirmation on the phone that if we are able to deliver the court documents to them on time then we can get the loan modification application approved. This is big bank trying to harass small American citizens with threat of foreclosure even if we have had the mortgage for almost XXXX years with them and it is even an ARM XXXX. Even with a life event, the bank is not willing to give us the chance to recover from our loss of income and take advantage of any available program to keep us back on track and keep our home.
Consumer complaint received 2023-06-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Johnson Mark LLC (OR)

XXXX XXXX XXXX had won a default judgement to garnish wages and in doing so, they over garnished my wages by XXXX as well as were suppose to credit me XXXX that they over charged and made error in calculating. They also collected XXXX on a judgement that was awarded in amount of XXXX. They claimed the additional XXXX was interest accrued however, the judgement already included interest owed because the original debt was only XXXX. So, not only did they charge me interest twice but then they over garnished me on top of that and charged me XXXX for fees that were in error and never refunded to me either. I would like my money returned that was taken and charged wrongfully.
Consumer complaint received 2015-10-11
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NJ)

XXXX/XXXX made a hard inquiry which appears on my credit. The only thing I ever signed up for was the regular XXXX, never a XXXX XXXX. This lowered my credit score twice and XXXX will not change their procedure and the reporting companies will not remove it.
Consumer complaint received 2017-05-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I received a letter from the Internal Revenue Service regarding a settlement of {$16000.00} from  Wells Fargo , NA on  XXXX     2014. Th is should have been reported on m y 2014 t axes.     I have not been able to contact   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   by phone or email. I did forward an email to the Department if Justice last week since they did oversee  XXXX    XXXX   activities.