davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CA)

My AppleCard is shared with my child via Apple Family Sharing. It is all above board and has been charging on it for a while. Child needed a XXXX XXXX appt on XX/XX/XXXX for travel and tried to pay online with Applecard for the appt. It was declined and we verified it immediately as a genuine charge. Tried a few times, ea time got declined. I used my XXXX to reach out to Applecard and ask what was going on. They never provided an answer, never got back to me. I am fully paid up, I usually pay this card balance off at least twice a month because it's on my XXXX, I see a balance and just pay it all the time. I have an excellent credit rating. 

My adult child has since left for XXXX XXXX on XX/XX/XXXX, they used the Applecard successfully in XXXX. I thought I'd better inform AppleCard that the user was traveling : a travel notice. I did that at XX/XX/XXXX at XXXX and the AppleCard responder ( everything is done via imessage ) was affirmative that everything was fine. By XX/XX/XXXX XXXX, Goldman Sachs Applecard was calling me at work that they'd locked my card. I was working and couldn't answer " safety questions '' while working, they caught me off guard. I asked them to call me back later. At my break XXXX, I messaged AppleCard and gave them a call back time when they asked of XXXX. Waited until XXXX, messaged them again. They could not help me, telling me that a " specialist '' would contact me. 

I now have my family member in XXXX XXXX at this point, with no functioning AppleCard. I have no functioning Apple card. Goldman Sachs won't treat me like a human and actually deal with this. I've done nothing wrong, I'm a verified user, my family member is verified in Family Sharing. I've read since that AppleCard can lock up users Apple IDs capriciously. I can not access the AppleCard statements which are all on the iphone wallet, the lock takes away all access. I am blinded to what possible issue might be going on - the area is now blank. 

Have you helped in these types of cases, and what advice can you give me? AppleCard Goldman Sachs isn't treating me like a human. AppleCard and Goldman Sachs have unsupportive behaviours and put their customers in jeopardy. The AppleCard isn't physical for my traveling family member, it's all on the iphone in they're hand - no one can steal their number or card. I gave AppleCard a travel notice. What possible fraud can they be so concerned about that they refuse to clarify with me? What more can I do? They refuse to talk to me. Please help me get an answer from this company and re-assurance that they're not going to affect my credit rating.
Consumer complaint received 2016-06-06
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: U.S. BANCORP (ME)

US Bank is charging a fee to lessees, in the amount of {$1500.00}, if the consumer elects to exercise their purchase option through a dealer, not directly through US Bank, at the end of their lease. This fee is not disclosed on the Lease contract. The contract does disclose a purchase option fee of {$350.00} which is calculated into the purchase option price. US Bank was a primary lease provider for XXXX for approximately 4 years which exposes many consumers to this extra, hidden fee. I have attached a scan of a contract which does not disclose either the fee or the fact that the consumer can not exercise their purchase option at a local dealer. Circled are the sections related to the end of term purchase. I have contacted the State of Maine Bureau of Consumer Credit Protection who directed me to contact CFPB since US Bank is a federally regulated bank. I hope you can help the many consumers who are currently nearing the end of term on their current US Bank leases.
Consumer complaint received 2020-06-01
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: EQUIFAX, INC. (FL)

On XX/XX/2020, I went to a credit repair service. Now that interest rates are low, I thought I would get a low interest loan intended for medical purposes. I paid the guy {$150.00}, and without my authorization, and without any signature, he went ahead and made a hard inquiry on my credit report. I was upset because that would lower my score. Also he was quite arrogant. So I left. The inquiry was with Equifax. I immediately disputed the hard inquiry. On XX/XX/XXXX, I got a message saying " Your Equifax Credit File Dispute is  Complete '', and urging me to press on a button and log in. 

Well I have been trying to log in since last Friday without success. I changed my password 5 times, I kept being locked out, so I called and after spending 30 minutes on the phone, I finally talked to an agent who informed me that HE CAN NOT REMOVE THE LOCK OUT. When I changed my password, I made sure it was written on a piece of paper, and yet it never worked.The system kept telling me its wrong. 

I need you to interfere because I know what's going on. Something similar happened to me last year. I have a competitor of mine by the name of XXXX XXXX ( and the woman 's name is XXXX XXXX ) who wants me out of business. So last year after finally having worked towards good credit and raised my score over 700, I  wanted to get an SBA loan. ( I am self employed, an insurance agent ). I tried to open an account with XXXX XXXX. ( I have one with XXXX   ). XXXX XXXX rejected me. 

Not only that but every single bank I went to after this said no. I could not understand why : XXXX, XXXX even very small banks. Apparently XXXX knows someone very highly place at XXXX XXXX and I was told that he put something on my credit so I can never get any loan. So my credit has been hovering around XXXX eve since. I went ahead and paid off XXXX of my credit cards two weeks ago so I can raise my score. But since this very highly placed XXXX  XXXX can do whatever he wants my score is never going to go up. This inquiry probably was not removed my Equifax. That's why they dont want me to see it. 
Can you please help me.?
Consumer complaint received 2016-05-05
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TN)

We successfully completed chapter XXXX XXXX XXXX. Contacted Wells Fargo to take over loan payments and was told the loan had past due amount of $ XXXX. I got and compared their transaction history ( {$83000.00} ) to trustee payment history ( {$88000.00} ). I sent certified letters to them on XXXX and XXXX and have since made XXXX phone calls to their California bankruptcy department and the issue is still not resolved.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2016-05-02
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc. (IA)

My husband and I are the sellers in this situation. Our buyers were working with a home loan company since XX/XX/XXXX in order to obtain a VA loan. They are military Veterans who had moved from XXXX to XXXX recently. Neither buyer or seller had realtors so we depended on good communication and a reliable loan consultant. This couple had credit issues and were told at the beginning they needed to pay down some credit cards which they did. They needed to raise their credit score. Then they were told that there was a late payment to a credit card last XXXX XXXX XXXX and they would be required to wait a year from that date before the loan process could proceed. Then they were told that their debt ratio was not acceptable. By this time the sellers were in need of a line of credit letter or pre qualification letter for our seller. The letter of credit is attached and dated XXXX XXXX however it was not emailed to our buyers until late XXXX XXXX XXXX. The seller now is faced with a penalty regarding purchase of their new home because this loan process is moving so slow. They are concerned that this loan is not going to happen. At this point in time I start to text the loan consultant and seem to get some assurance that the loan will close XX/XX/XXXX ( see attachment of texts ). XX/XX/XXXX I text the loan consultant again about closing since we have not heard from anyone and the comment if " Not at all ... speak to your buyer ''. At this point My husband and I decided to visit with the loan consultant to get some answers and when we got to his office we discovered that there were no computers, phones or employees. We finally found an employee who told us that the loan consultant that we were looking for was no longer with this company. He had moved to a new loan company that moved down the hall. According to XXXX 's website they opened this new office XXXX XXXX. My understanding is that it takes at least XXXX weeks for a loan consultant to move from one company to another so this particular agent knew many weeks prior to his move that he would be leaving Caliber. We met with the office manager of XXXX and was told she could not talk to us because we were n't her client but she did acknowledge that she knew the buyers name. The buyers have had to go elsewhere for their loan. 
I believe that this agency was unethical and did not put the customer first. I think they forgot that the 'customer comes first ''.
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

My previous dispute on XX/XX/XXXX stated : As per the creditor ( XXXX ) and the credit reporting agency ( Equifax ), I 've waited XXXX days for my XXXX bank account information to update and report. As of today 's date this information is still not appearing on my credit report. 
Equifax responded on XX/XX/XXXX : Equifax has reviewed the complaint and its records. The disputed XXXX account is currently not reporting on the Equifax credit file. Equifax has sent you a complimentary copy of your credit file. Written confirmation was mailed on XX/XX/XXXX. 
Relief The disputed XXXX account is currently not reporting on the Equifax credit file. 

Thank you for looking into this matter but there is a secondary action and relief I 'm still waiting for you to initiate. Please reinsert the account which was previously deleted. Attached you will find the credit report sent by you on XX/XX/XXXX showing the account actively reporting. Please re-investigate this matter as I would like you to add the XXXX account back on to my Equifax credit report.
Consumer complaint received 2017-01-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Medical Data Systems, Inc. (FL)

MEDICAL DATA SYSTEMS has placed an unauthorized fraudulent item on my Consumer report. MDS has violated my federally protected consumer rights without causing injury, harm, and damages to my pursuit of happiness and right to utilize consumer credit.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (IN)

My wallet got stolen from me in the year of XXXX to XXXX j did a police report but it being so many years back I don't think they still have it on file so what do i do if someone is using my social security card and ID and getting things put in my name like things that are on my credit report is FALSE ... I need this fixed ASAP ...
Consumer complaint received 2015-10-04
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC. (TX)

In 2013 I paid my debt which was to Cash Net USA however they sold my account to a XXXX XXXX XXXX company and they are still trying to get money and are still reporting that I owe them money even though the debt has been paid. Here is what they sent me '' As we previously advised you, you have failed to make payments required under your loan agreement or to contact us to take corrective action. As a result, your account number XXXX was sold to XXXX XXXX XXXX on XXXX/XXXX/2013. The outstanding balance was {$770.00}. 

This third-party debt buyer retains all legal rights to the amount owed. If you would like to make a payment, please contact XXXX XXXX XXXX at XXXX or XXXX " The information they are reporting is inaccurate has the debt has been paid as of XXXX XXXX, 2013.
Consumer complaint received 2016-08-04
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC. (WA)

my credit report is freezing i did ask XXXX located at XXXX XXXX, XXXX, ga XXXX but this agency charge my credit card and not unlock my credit. 
please help me to lift a freeze on my credit thank you
Consumer complaint received 2024-02-23
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: EQUIFAX, INC. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IL)

On XX/XX/2019 we mailed our MasterCard bill ( issuer ; XXXX XXXX XXXX ) payment of {$500.00} ( more than 4x the  required amount ) to the card issuer. The 'due date ' on the bill was XX/XX/XXXX. Due to severe winter weather, the transit time for our payment was longer than usual and the payment was not processed by the card issuer until XX/XX/XXXX. The card issuer confirms that the payment was received and processed, our bank confirms that the check has cleared and funds have been transmitted to the card issuer. However, the card issuer states that they have not yet recorded the payment in their system hence the account is marked 'delinquent ' and the card is suspended/'restricted ' for one month due to being in a 'delinquent status '. During a phone conversation yesterday evening ( XX/XX/XXXX, o/a XXXX  ), a supervisor ( XXXX/ # XXXX  ) at the card issuer further stated that their processing can take an additional ten days, resulting in further 'delinquent status ' time plus interest and penalties. I informed the supervisor that the Uniform Commercial Code and established law states that when normal payment is accepted through the US mails, and the payment is deposited to the mails prior to the due date, that payment is considered delivered to the addressee and hence should not be considered past-due and delinquent. Her response was " We're not a bank and the UCC doesn't apply to us '' and that the card would remain in suspended/'restricted ' status for the next month. 

I resent paying 25 % interest for the privilege of being treated like some low form of deadbeat. I further resent being offered " that's our policy ( and there's nothing that you can do about it ) '' as a defense against ignoring long-established law. 

I am absolutely certain that the delay in the mails caused by the recent severe winter weather affected more than just our payment. I am also absolutely certain that the card issuer has and continues to ignore the provisions of the UCC and established law in their processing and handling of delayed payments as well as the issuance of late fees, interest, and penalties.
Consumer complaint received 2015-11-03
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: WELLS FARGO & COMPANY (OH)

I was never given an entrance exam to start college and I was told to get a private loan. After I used up the private loan they had me take out federal loans. I have asked Wells Fargo to help me since I ca n't afford to pay this loan, they refused to do anything. 

XXXX XXXX, Ohio
Consumer complaint received 2015-10-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

I obtained a purchase money first loan XX/XX/XXXX, I am the only person on the loan and my partner is on title only. XX/XX/XXXX after applying for a modification I noticed that my documents showed the loan was held XXXX. After applying for the modification I checked at the courthouse and XXXX had transferred servicing of my loan to Wells Fargo. Nether Wells Fargo or XXXX notified us of this action. XXXX held my loan for XXXX years despite not being a loan service. Federal law requires we be notified and to this date that has not taken place.
Consumer complaint received 2016-09-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (FL)

In XXXX XXXX I submitted a complaint similar to the XXXX today. SLS my servicer responded and alleged I had missed my XXXX XXXX payment, and that I did not make this payment until XXXX XXXX. If you will review attached proof of payment made you will clearly see I did not miss this payment. SLS ( my original complaint ) has been misapplying my monthly mortgage payments regularly. I do not know who can audit their files regarding my payments and unapplied payments but this is highly suggested. I have incurred late fees after late fees and now SLS has me in foreclosure.
Consumer complaint received 2016-05-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Holloway Credit Solutions (FL)

I have received a letter from Holloway Credit Solutions stating that if I do not respond, my credit may be impacted negatively. I am not involved account number they are collecting. 

I do not appreciate them contacting me and then threatening me on top of it.
Consumer complaint received 2016-06-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Business Factors (NV)

The joint medical account was paid in full on XXXX/XXXX/16. National Business Factors is holding the account hostage for interest that was not agreed to by me or my wife and that was added after we paid the balance. Account was suppose to be removed after payment. They 're continuing to ignore our requests and screening our calls. We cited XXXX which states that both parties have to agree to the interest- if allowed, when they finally got back to us they cited XXXX XXXX for their reasoning. Our understanding of XXXX XXXX is for investment accounts, not debt accounts.
Consumer complaint received 2015-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (KY)

On XXXX XXXX 2014, a car dealership ran my credit XXXX times in 1 day by mistake. They thought my dad was me and kept running my credit trying to get my father a loan. so I never tried to get any loans so my credit should n't have been ran XXXX times. so all XXXX credit inquires on XXXX/XXXX/14 are not mine and should not be on my credit report
Consumer complaint received 2024-02-23
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: EQUIFAX, INC. (WA)

Despite my persistent efforts, a resolution to these issues has remained elusive. Your firm 's response to my letter addressed to the credit bureaus indicates that my request for verification of inaccuracies on my report is being categorized as " frivolous '' or " irrelevant. '' I want to emphasize that I do not consider a matter of such personal significance as frivolous or irrelevant. If my initial request to verify the items outlined in my previous certified mail is disregarded, I am prepared to escalate the matter by filing a complaint with the Federal Trade Commission against your company. Consequently, a thorough reevaluation of the following information is imperative. I respectfully request validation of the alleged item, specifically the contract, note, or any other document bearing my signature. In the absence of such validation, I insist on the expeditious removal of these items from the report.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (NE)

I XXXX out my Discover card in XXXX XXXX and then accepted their zero % interest for 12 month balance transfer offer. 
XX/XX/XXXX - Interest charged XXXX cents XX/XX/XXXX - Interest charged XXXX cents XX/XX/XXXX - " Minimum '' Interest charged XXXX cents That is not the zero % balance transfer offer I accepted. I realize it's a small amount, but it's not right to charge interest, even " minimum '' interest on a zero percent balance transfer offer. 

I paid {$160.00} for that balance transfer offer of 0 % and to be charged interest on that transaction is deceptive and shows me they're double-dipping. 

Thank you
Consumer complaint received 2017-02-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (CA)

Received a collection letter. After googling the name of the company that claims that I owe them for medical services, it appears this company is located in Fl, which I 've never been to. In addition, it appears they 're a XXXX office, I do not have children. On XX/XX/XXXX I replied to their XXXX requesting information on the services im being charged for including date and place. On XX/XX/XXXX I received a 2nd letter, which is the same as the 1st one. On XX/XX/XXXX, I called the XXXX and in order to verified the acct or provide any info they requested my ss # and birthdate information which I refused to provide. I spoke to a rep name XXXX. I checked my credit report with all XXXX bureaus, and it shows XXXX collections. Please investigate, as I am 100 % sure this is just a scam.
Consumer complaint received 2016-03-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC (AK)

Call asking for XXXX XXXX. 

Calls to a phone number NOT associated with XXXX XXXX. 

Calls to the phone number NOT associated with any debt for MORE THAN 365 days. 

Calls asking for XXXX XXXX to a phone number unassociated with XXXX XXXX for MORE THAN 365 days.