davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA (NY)

Good Afternoon, This complaint is about Apple store credit card. I've made one single purchase with his card, my XXXX XXXX back in XX/XX/2020. Since the first statement and payment i had trouble with them.

1. Costumer servile is no reliable. For each issue I had, I need to ask at least 3 times, to get a help and most of the times, the issue wasn't resolves.

I signed up for installment payments, but the first payment I had to pay taxes in full plus the amount of a monthly installment. It was charges twice. I paid and they also make a automatic payment. I went to web site to see my payments, we can not check or see scheduled payment. That leads you to make a 2 payments monthly.
Again the support wasn't helpful, making us, costumers look like a foul.

2. I had another issue when a monthly payment was made twice, in the  middle of the pandemia, XX/XX/2020, have the very same trouble with costumer support, Apple credit cart /

Goldman Sachs. It also showed that I did not paid the card and show late payment. But I ha paid it twice. I have pictures of that. So I had to borrow money to make a 2 time payment to solved the problem. Right after that I transfered my balance from this credit card to another one. I waited about two months and I close the account. I get this account closed, i had to reach out to them five times, four through text message and one via phone call. Its unbelievable how miss managed and mis informed the costumer assitances are.
Attach all text messages with Apple and Goldman Sachs, starting  XX/XX/2020 until XX/XX/2020. 
Thank you for your attention. 
XXXX XXXX XXXX
Consumer complaint received 2020-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (GA)

In XX/XX/XXXX my XXXX XXXX XXXX got totalled by a XXXX Truck. My attorneys won the case XXXX  was liable. {$11000.00} or more was paid towards the car. When signed for the original contract auto loan I paid for Gap Insurance which was added to the loan. My car insurance totalled my car out XX/XX/XXXX. The remainder of the loan is supposed to be paid by Gap Insurance through XXXX. All correspondence went to XXXX XXXX XXXX XXXX Gap Specialist XXXX XXXX XXXX, XXXX XXXX mostly through email with subject line Regarding Ally Acc # XXXX and sent documents to this email. After I sent documents. No more correspondence from the Gap Specialist. So I assumed they got their money because if they didn't then I should have been contacted by the Gap Specialist who has my email XXXX, phone number XXXX.
Consumer complaint received 2020-09-01
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC (NC)

I have had a reverse mortgage being serviced by Celink for over a year. In XXXX of this year, I sustain damage from a hail storm. 
Celink is VERY difficult to deal with. I had a local contractor replace the roof which was paid for by XXXX XXXX. The check was made payable to me and to the mortgage company. 
Celink tries top force you into operating via their website, Hold times are always over 30 minutes, usually 45 minutes to an hour. Their answer messages are long and unhelpful. Even though I select the correct response to get through to my team, the calls are always trunked to someone else who has to transfer the call. 
When I do get through, I am always put on hold so that the agent can check on something. While I wait, the call is dropped. They never call back. 
I contracted with a local roofer, XXXX XXXX, to reroof the house. XXXX completed his work on XX/XX/XXXX. The inspection was completed on XX/XX/XXXX. I verified with Celink that all of the documentation is in. I have not received a final check to pay the roofer. 
I can not help but think that CELink is not a good actor in mortgage servicing. 
I need help.
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Both creditor XXXX XXXX XXXX and agency credit report XXXX are not willing to take out the bad report from The account that is not mine! i was just authorized user for sometime for work related and I understand account has been charge off cause the account owner has passed away
Consumer complaint received 2019-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

My husband and I have applied for PSLF/TEPSLF and throughout the entire process we have been misled, not given complete information, told to lie or withhold information and fear that the TEPSLF will be no longer because of the loan services not doing its part. We second guess everything we do despite it coming from their call center. We have done ABSOLUTELY everything we have been told to do and still 6 months later we have no resolution. We at one point had our case closed because we didnt complete what was asked in the 21 day window when in fact I uploaded 703 pages of documentation 10 after it was requested. No one dropped it in the file. We would not have known that had we not called 8 weeks later after receiving nothing. Now we are 8 weeks from that inquiry and have made multiple inquiries since and still NOTHING. We have been told to submit unemployment deferment application even though you wont qualify so you can buy 60 days with no payments. That is fraud! We are tired and frustrated and just want FEDLoan Servicing to do the right thing. We have also contacted the ombudsman and been assigned a case manager he has become increasingly unavailable as of late. Additionally we have filed complaints with the AG of the state Florida, Senator, Congressman and US Dept. of Education.
Consumer complaint received 2021-03-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TX)

venmo refused to release my funds even after a 180 day hold venmo closed my account without nontice as to why and put a freeze on my funds i contacted then on many occassions for the last 6 months in XX/XX/XXXX i got an email stating that my account was closed but with no stated reason and that i will not able to use their service and that the funds that are in the account will be on hold for 180 days and upon the complete of the 180 days i will get an email requesting were to transfer the funds to I have yet to receive that email and i have not been able to get any resolution or reason for then holding my funds for i have submitted all the documentation that was asked of me to verify my Identity and the only answer that i have got is that there was nothing more that can inform of nor could they even give me a reason why they said that this is being handled through a special department and they will contact me in 5 business day via email this has yet to be received they are holding over XXXX XXXX dollars of my funds for no reason I have been using venmo banking for over 2year and i have never had any issue untill now.. the last conversation i had with them was on XX/XX/XXXX and the rep told me that this is under review and that it could take up to a year for this review to be completed but not for sure and yet still no reason was given to me as to why for the hold I have had no issues as far as charge backs, disputes. or even NSF payments or deposits this is unfair and in valid banking i have followed and did all that was requested by venmo i have waited out the 180 days I have followed the policy and proceedures why is it that i cant get my money and why cant they honor and follow their own policy and proceedures their actions that they are doing to the consumers can not be legal for them to do.
Consumer complaint received 2021-11-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: C/C Financial (MI)

Preferred Lease, a rent-to-own company located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is reporting a charge off on my credit report which I paid down initially. Once the account went into charge off status, I disputed its inaccuracy. Ive reached out to the company several times directly in order to solve this matter via phone and mail to no avail. I have to tried to make payments on it and set up payment plans to have it taken care of. After a while I was not able to get through to them. They repeatedly updated my account as charged off monthly, which is in violation of the FCRA and they denied me the opportunity to settle. I disputed this with XXXX to no avail. I would like this account immediately removed from my credit report.
Consumer complaint received 2020-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

IC Systems is reporting incorrect information because this is NOT my account. I asked them to validate the account under a previous CFPB complaint and they sent me a number of bills on behalf of XXXX that has an address I did not reside at with the incorrect spelling of what I assume supposed to be my name. The bill reflects a XXXX XXXX, NOT ME. I spoke to XXXX and advised this was not my debt and the woman from the XXXX Executive Office hinted at me creating multiple accounts with them and told me that it was NOT fraud so it wouldn't be reported as that. She furthermore, advised she was going to speak with her finance manager and NEVER called me back. 

What was your Method of Verification IC Systems? I am needing to know : - The person 's name they verified the dispute with. 
- The documentation used to verify the dispute
Consumer complaint received 2021-03-25
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX I began disputing a charge-off that I don't believe to be accurate as well as a collection that is being wrongfully reported. After the bureaus didn't respond to my dispute request, I sent another dispute on XX/XX/XXXX. But again, the bureaus have not responded and it's now been 4 months of this!
Consumer complaint received 2017-08-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

My husband and I make our mortgage payment every month, the payment is always made within the grace period. For the last two months we have been receiving a " delinquency '' notice. Did n't take the first one too seriously since the payment was made but since we got one this past month for our   XXXX   payment as well I called LoanCare to see what 's going on. The representative was very rude. Put me on mute when I was questioning the situation and said that I have no late charges if I have access to my account I can see this. I also work for a sub-servicer so I am familiar when notices are sent to borrowers. If a loan is not delinquent, and there are no late charges, how is this in compliance?!
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (GA)

I refinanced my home to pay off credit cards. XXXX XXXX XXXX, law firm who handled my closing, mailed check # XXXX via certified mail for the pay off amount of {$4800.00}. Macy 's deposited the check but never posted the payment to my Macy 's account ending in XXXX. 

I have also faxed Macy 's a copy of the check, and the signature of the employee who signed for the check. Macy 's has been provided the bank routing #, account #, and check #. 

I opened a missing payment dispute with Macy 's, and still have not received positive resolution.
Consumer complaint received 2021-04-26
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: EQUIFAX, INC. (GA)

My name is XXXX XXXX XXXX, and I am filing a complaint about an entry listed on my credit report for Equifax and XXXX, which is a public record, XXXX,, which I have tried to have disputed three different times, which was first on XX/XX/XXXX, the second time was on XX/XX/XXXX, and on XX/XX/XXXX, and now disputing for a XXXX time. The XXXX  came off but was re-inserted back on the credit file. Apparently someone with a similar name to mine filed XXXX in ( UNITED STATES XXXX COURT, XXXX XXXX XXXX XXXX for {$0.00}, and it is appearing on my credit report. After contacting the XXXX Court, they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any XXXX cases. As you all know, it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it permanently, immediately.
Consumer complaint received 2020-05-16
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: EQUIFAX, INC. (CA)

On XX/XX/2020 I went to my bank to apply for the Paycheck Protection Program offered by the government to pay my employees. On XX/XX/2020 I was denied because of negative remarks on my credit profile. After going over my credit report with my banker I found accounts that never belong to me. I never authorized these accounts to be opened in my name nor did I receive any type of money or benefits from them. There is also a bankruptcy under public records that does not belong to me. I have never filed bankruptcy and have never been in a position where I needed to file bankruptcy. I tried calling the bankruptcy courts to resolve this matter but have not received any response. On top of all these accounts someone has been running my credit as there are multiple auto loan and credit card inquiries. I did not authorize any of these inquiries. Please help me resolve this issue.
Consumer complaint received 2020-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OH)

Our loan servicer ( Nelnet ) was derelict in administering our loan. Their records incorrectly cited the student graduation date on our Parent Plus loan as XXXX. In reality, the student graduated in XXXX, leading to a nine-year deferment. All the while, the loan accrued interest. Student/parents were notified correctly of several other loans which are being paid without error or delay. Nelnet claims it began notifications in XXXX. How Nelnet arrived at the XXXX date when the loans were incorrectly listed as deferred until XXXX remains a mystery. Since we reached out to Nelnet in the past month, they have successfully called twice and emailed once with the same information they have had all along. In fact, the only reason we reached out to them at all is that the loans suddenly turned up as a ding on our credit score. Otherwise, this probably would have gone on until XXXX. Dealing with Nelnet has been fruitless. They can not explain how the loan was deferred for nine years nor why there was no notification. They simply say there is nothing to be done. Our first call to Nelnet was placed on XX/XX/XXXX. We spoke to XXXX ( badge # XXXX ). We waited 14 days for the result of " research '' being conducted as instructed with no return call. Our second call was placed on XX/XX/XXXX. We spoke to XXXX XXXX. ( that is all the information she would supply ).
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

6 months back I was added as an authorized user on my father 's Care Credit account. A few months back my father requested that Care Credit remove me as an authorized user. They told my father they removed it. a month and a half went by and the account still reporting on all 3 credit bureaus. 
My father called Care credit 2 more separate times repeating the same steps. It has been well over 6 months and they are still reporting this on my credit report. This is affecting all of my 3 my credit scores, and I am trying to purchase a home. Please have Care credit remove this account from all 3 bureaus.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Mr. Cooper Group Inc. (IL)

to add more info in my favor i just got an email off of mr coopers website that states i was currebt on XX/XX/XXXX XXXX //Thanks for your recent payment. We posted it to your account on XX/XX/2019 for the property at XXXX XXXX XXXX XXXX their is no way the numbers they havr listed could be right the first day they could of listed for 30 days jate would have been XX/XX/2019 and other numbers follow suit thanks
Consumer complaint received 2020-05-16
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: JPMORGAN CHASE & CO. (PA)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2020-11-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: C/C Financial (FL)

company XXXX XXXX I open an account XX/XX/2012 rental agreement amount {$5400.00} I paid account in full {$5400.00} the company XXXX XXXX never reported to the credit bureaus, I demand this account be updated as paid in full.
Consumer complaint received 2021-03-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Recently the bankruptcy case # XXXX XXXX has been removed from the XXXX XXXX database as proven by the consumer statement as of XX/XX/2021 that is attached to this letter. 
XXXX XXXX is the reporting agency for US bankruptcy courts and did not verify the bankruptcy as stated by Equifax and XXXX, as it has been removed from their database. 
Please remove this bankruptcy from my credit report, as it already has been removed from XXXX. 
I will continue to file complaints with the consumer protection financial bureau as well as a few other agencies as this bankruptcy is causing financial losses to myself and my family. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner.
Consumer complaint received 2018-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IN)

After I XXXX XXXX XXXX Talk to Mr XXXX about Chase Bank did not Cash my SSDI/C8 Disability Account, Check, From an Accoun : Clean Slale Checking Account,
Consumer complaint received 2017-08-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I first had received student loans through XXXX XXXX which is now navient. They had my payments very high and instead of lowering them the would tell me to file for student loan forgiveness. I 'm not even using my education because I have a very sick mom who has a XXXX XXXX and I give her alot of my money to pay bills on her house I live in as well including food etc ... I was told my loan was going to be much lower then it is and not only did it go up almost 10,000 dollars more then I thought, they are telling me after interest it 's going to double. The only thing that navient has done for me is made me current on my loan to do a student loans by putting all three loans into one to help with credit so I can sign up for student loans forgiveness again
Consumer complaint received 2020-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

I have paid down these accounts XXXX I have disputed all of them on XXXX, XXXX XXXX has updated, but did not reflect on the other two credit bureaus. 

XXXX  XXXX reported balance is XXXX actual balance is XXXX XXXX reported balance is XXXX actual balance is XXXX Chase reported balance is XXXX actual balance is XXXX
Consumer complaint received 2020-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

See attatched XX/XX/XXXX Equifax Letter Re : XXXX XXXX & XXXX States if I have more infomation. Equifax PLEASE RESPOND TO CFPB XXXX submitted XX/XX/XXXX. See numerous open complaints unanswered. See attatched MORE New Information Provided XXXX leter XX/XX/XXXX CONFIRMATION OF SETTLEMENT card ending XXXX A VISA/ MTR card DEBT XX/XX/XXXX. 
This Debt became a Visa card XXXX TWO YEARS LATER is now account # XXXX See attatched Equifax Credit Report. see attatched MASTER ACCOUNT XXXX XXXX XXXX CANCELATION OF DEBT XX/XX/XXXX. This is now account?? XXXX XXXX attatched Report. Date opened XX/XX/XXXX?? " VERIFIED '' AS TRANSFERED/ Sold ** " What Method of Verification was used. This account settled XX/XX/XXXX. HOW COULD THIS BE " VERIFIED '' XXXX PLAYS A NUMBERS GAME. Visa begins with a ( 4 ) and MSTR begins with ( 5 ) Who " VERIFIED '' this AS ACCURATE? XXXX??? ACCOUNT NUMBERS.??? NOT ACCURATE. I DID NOT OPEN THE VISA CARD XXXX IS COLLECTING ON. XXXX made an UNAUTHORIZED PAYMENT XX/XX/XXXX DEBT COLLECTION ON SOCIAL SECURITY FUNDS PROHIBITED BY FEDERAL LAW. SS ACT SECT 207. XXXX IS IN VIOLATION OF FEDERAL LAWS.