davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: GOLDMAN SACHS BANK USA (TN)

I was totally approved and giving the ok to activate my Apple Card and XXXX XXXX XXXX but one still getting a message from my XXXX XXXX XXXX ( even after I got a full approval activation link to my Apple credit card ) that sending and recieving money in messages have been restricted and unavailable for my use. its been very difficult to get around this so Im gon na need a bit more help because Im suspose to be in process of getting cash back from my XXXX credit card from making my XXXX purchase. +example -if you successfully dispute a transaction for which you initially earned XXXX XXXX, which results in a permanent credit being applied to your Account ; or so Im pretty sure that means I am approved for perminate unlimited credit. in Conclusion There are just a few more things from my contract I wanted to point out starting with -PHYSICAL COMPANION CARD Upon your request, we will issue you a physical Card that you can use to make Transactions from your Account. 

& -Welcome to Apple Card! 
Your Apple Card Account is issued by Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX ( " Bank '', " we '', " us '', or " our '' ) and this is a legal agreement between you and us. By using your Apple Card Account or adding your Card to XXXX XXXX, you are agreeing to be bound by this " Agreement '', which includes this Apple Card Customer Agreement, together with your rates information, which can be found in your XXXX XXXXt. Please read it carefully, and keep a copy for your records. 
You can view, print, save and email current versions of the Agreement at any time from your XXXX XXXX, or you can request this Agreement by contacting us. 
CONTACTING US XXXX instead of writing this email should I have called because I already spoke to XXXX and she help me as much as possible. Should the percent improve fix Be expected in the new phone?
Consumer complaint received 2021-04-07
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)

Contacted Equifax XX/XX/XXXX to dispute inquiries and inaccurate address. I called Equifax and was transferred to the fraud department. 
I indicated that I had filed a police report and tried contacting the creditors who accessed my credit file without my authorization. 

I was told the following inquiries would be removed between 24 to 72 hours and closer to 72 hours : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. &. XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX And the following address : XXXX. XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2020-07-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (MA)

Hi, I'm not quite sure what's going on but something doesn't seem correct about this account. There is no way that this account is mine because it showed that the account was open then closed down. Something seemed so awful about this account and the way it's reporting. I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumerto dispute information directly with the furnisher.

What I am disputing : The account you have reported to the thre
e credit bureaus. My basis for this dispute is that I have no knowledge of this account.

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require.

Otherwise, please provide me with your documentation showing that this account does indeed belong to me.

Please send me copies of the contract used to establish the account with my signature on it.

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe. 


Sincerely yours,
Consumer complaint received 2020-07-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (IN)

I had to get a loan while in school, the only option I had was a personal student loan and a co signer. I went through AES. I borrowed XXXX and I have been paying on this loan for around 15 years. I still owe XXXX I have tried to put this loan with another lender to help get it paid off and no one will take it. I have paid XXXX on this loan. I have asked to be on a forgiveness plan and it is not available. I am sick over this. I feel like this company is taking advantage of me and I am a single mom with XXXX kids. I just want to get rid of this loan I am not sure what else to do. I would love to have all the extra money I paid back to help pay my current bills. I really need some help here.
Consumer complaint received 2018-04-14
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 SENT IN A DISPUTE REGARDING SOME NEGATIVE ITEMS I FEEL ARE INCORRECT AND SHOULD NOT BE REPORTING AND EQUIFAX DID NOT RESPONS THIS DISPUTE WAS SENT IN ON XX/XX/2018 AND STILL I HAVE RECEIVED NO RESPONSE
Consumer complaint received 2021-06-21
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Biehl & Biehl, Inc (NJ)

Biehl & Biehl Inc. has been harassing me and my company regarding alleged debt from XXXX XXXX. My company has paid all invoices from XXXX XXXX in full, and owe no money to XXXX XXXX, XXXX XXXX XXXX, or Biehl & Biehl Inc. Despite my full cooperation in emailing documentation as well as mailing documentation proving full payment of {$6700.00} to XXXX XXXX in XXXX of 2020, Biehl & Biehl Inc. has ignored my communications and persists in calling myself and members of my family. On two occasions when Biehl & Biehl Inc. called me, I verbally instructed Biehl & Biehl Inc. to cease and desist all communications with myself and my family. Despite these verbal instructions, Biehl & Biehl Inc. continued harassing me. Eventually, I mailed Biehl & Biehl Inc. a certified letter demanding they immediately cease and desist all communications with myself and my family. Not surprisingly, they ignored the cease and desist letter, even after signing for it, and still harass myself and my family to this day.
Consumer complaint received 2020-05-07
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.
Consumer complaint received 2020-09-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2020 I received an two emails to my personal email which included personal financial information in my personal email regarding the transactions I had done through the online app. 

I feel that I should have received an email telling me I had a message with Chase app which would have been private and encrypted. Instead they sent an email to my personal email which I felt was a violation of my privacy rights. 

The information contained was alarming to say the least. I am fearful of identity theft due to their actions.
Consumer complaint received 2020-07-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SoFi Mortgage, LLC (IL)

I have tried to apply to refinance my mortgage with sofi twice. The first time the mortgage officer, XXXX XXXX placed me in a single family mortgage type, no points, and closing in XXXX. After two weeks of waiting XXXX informs me my house is deemed a multi unit by sofi and now I have to pay points or have a higher interest rate. I decline the offer from sofi as the points and higher rate did not make financial sense to refinance. Rates dropped again and I tried to refinance a second time with sofi. During the application process the website does not indicate multi family, therefore, I picked condo. XXXX doesnt contact me but I get an email from sofi that my docs are ready to sign yet nobody has contacted me and the information within wasnt accurate. I contact XXXX via email and was informed 3 days later that Im required to sign docs that I didnt agree to and arent accurate, and that I have to sign them before he can update them. I dont sign them as Im not signing legal documents that are inaccurate. He calls me, I email him letting him know that just like him Im working and XXXX either need to call me after XXXX cst or book time with me. I hear back that XXXX be out of the office the following day. I waited 5 more days, nothing from XXXX before then, and then a random phone call that my docs have been updated, but I havent spoken to him or agreed to anything. I email him and he sends me a screen print of one interest rate, apr and points over {$1000.00}, but thats my only choice. I reply that he doesnt get to pick a rate for me and that he either needs to call after XXXX cst or schedule time. Two more days, he calls before XXXX, I call him back, he calls me back, and After 2 mins is yelling at me when he informs me Ive picked the wrong product type, im in a multi unit, the website isnt confusing or deceptive and my product type is listed online. I hang up as he will not yell at me, I get screen prints of their website, email him, he sends an apology email telling me that Im confused, and proceeds to tell me to pick a 2 unit online even though he has referred to my product type as multi unit in both instances. Sofi website only states 4 product types for mortgage refinance ; 1 ) single family residence detached, 2 ) condo, 3 ) 2 unit, and 4 ) pud. There is not multi unit. Sofi is trying to increase their revenue stream by forcing consumers to pay points fees by deceptive practices of not defined product types, only providing a screen print of one rate, and yelling at consumers to bully them into their product types. This is not acceptable behavior.
Consumer complaint received 2020-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (FL)

I was billed for my ex wifes cable bill. This was with XXXX and I paid, they still reported me as I didnt pay. I pay them again and they still show in my credit report as a close collection. The collection was open in XX/XX/2018.
Consumer complaint received 2020-05-07
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. (AR)

I recently applied for three different credit cards. I was denied on all three and really could not understand the reason behind it. I knew my credit was good and there was no way. I then pulled my credit report and saw an outrageous list of accounts that do not belong to me. I have never seen these accounts please delete these accounts from my report.
Consumer complaint received 2022-07-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (IN)

A letter was sent via US mail to RMP LLC ( XXXX XXXX XXXX ) requesting validation of debt. They responded with medical records, a DIRECT violation of HlPPA. Not only did these documents have procedures and/or medications received it also contained my social security number with NO security measure taken. I never signed a HIPAA form authorizing access to any such medical records.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (WI)

Citibank Credit Card - I had both a Flex Pay ( fixed monthly payment and fixed interest rate due to be paid off in XX/XX/2023 ) and a deferred interest balance amount on my credit card. The deferred interest of {$0.00} interest plan was due to expire on XX/XX/2023 if not paid in full. On XX/XX/XXXX, the payment due date, I made a payment online and choose the payment amount option : " Adjusted New Balance + Flex Plan monthly payment - includes monthly Flex Plan payment amount and the non-flex plan portion of your last statement balance, it does not include Flex Plan payments due in future months ''. I paid the balance transfer amount in full listed on my statement as " Adjusted New Balance '' and the Flex Payment amount. Per the payment allocation regulation of 1026.53 ( b ), the payment should've been allocated to pay off the deferred interest balance transfer in full and the amount due for one monthly Flex payment. It was not allocated in this manor. The total was applied and paid off the balance of the Flex Payment plan which had an interest rate of 8.99 % and left a balance on the deferred interest balance. I have spoken to two different CITI customer service agents, one being a " manager '' named XXXX on XX/XX/2023 and yet the payment allocation was not and has not been corrected. On my next statement of XX/XX/2023, the standard purchase rate was increased by 2 % to 24.99 %, the flex pay interest rate from 8.99 % to 24.99 %, and an increase to the Balance Transfer rate.
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

Discover bank, have violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-07
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: ID Analytics, Inc. (PA)

Consumer report obtained from SageStream LLC showed incorrect information due to identity theft. I contacted SageStream on XX/XX/21 to dispute the information. I was told it takes 30 days to investigate. It is 42 days now and I have not heard anything from them yet.
Consumer complaint received 2020-05-07
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

On the XXXX of XX/XX/2019, I fell victim to a fraudulent XXXX / XXXX company named XXXX  XXXX. Money was transferred from my account to the Company via wire for a total amount of XXXX XXXX, XXXX EUR utilizing XXXX XXXX  services. As you can see, XXXX XXXX response was to TOTALLY IGNORE their responsibility. 
It is obvious XXXX  XXXX is an ACCOMPLICE to the crime and a person assisting a thief is a THIEF THEMSELVES!
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I have a real estate mortgage loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX  with no successful resolution. XXXX, Equifax, and XXXX   reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.
Consumer complaint received 2021-04-07
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2020-07-22
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. (NJ)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-07-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc. (NC)

On XX/XX/2020 ... EOS CCA a collection agency placed a be [ ad debt that they claim I owe in my credit reports. I never received written notice regarding this debt from this agency, no even a phone call. I am not responsible for this alleged debt. 
I was never given the opportunity to respond to this, they just placed the information without verification on my profile. Pursuant to the Fair Credit Report Act, the Fair Debt Collections Practices Act and the Fair Credit Billing Act I have a legal right as a consumer to be able to dispute a debt once I am notified.
Consumer complaint received 2021-10-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (IA)

I applied for a cash out refi on XX/XX/XXXX. I received a call and completed the mortgage application with the loan officer. I uploaded the required documents and e-signed my disclosures. My credit card was charged for the appraisal and credit report in the amounts of {$490.00} and {$21.00}, total {$510.00}. I specifically told the mortgage company that I live in a townhome/PUD which is considered a SFR and not a condo. ( Prior to this application I had another application and they had my property as a condo and it received a PIW as a condo. Once it was changed to a PUD, the PIW dropped off, so I was very specific, this is a PUD, an appraisal is needed. ) I was told I would hear from them within the next 5-10 days. An appraisal was scheduled and completed on XX/XX/XXXX. The appraiser told me he would have it to the mortgage company on Monday, XX/XX/XXXX. On XX/XX/XXXX, I asked XXXX XXXX if they have received and if there was any update. I was told the same day they had not received it and the appraisal would send me a copy once completed. This is also the first day I hear froo+m the loan processor, saying the same, they will contact once received. On XX/XX/XXXX, I saw in my loan application, a condo questionnaire was ordered through my management company. I emailed the processor asking why as this is NOT a condo. Questionnaires are not needed on a PUD. ( I'm a 20 year, current, mortgage underwriter with all designations including conventional, FHA, VA, Non-conforming/Non QM, etc ). I did not hear back. On XX/XX/XXXX, after 2 additional emails asking these questions, I still did not hear back. ON XX/XX/XXXX, I reached out to their customer care team and let them know I was going to file this complaint. 3 team members called within 30 minutes. I was told they would check into my status. ON the same day, I received the appraisal, only for it to come in as a CONDO. I emailed them immediately. The processor called me. He said he would look into it. On XX/XX/XXXX, still no word, emailed again, reply was still looking into it. Then the processor manager emailed and said they had it set up as a low-rise condo. I told them this was incorrect and needed to be changed ASAP. As of today, XX/XX/XXXX, I still have not heard back. I sent an email today and no reply. I want the fees refunded and for this complaint to be published for others to see regarding the customer service issues and not acknowledging my emails as all of this would have been a non-issue if they would have confirmed they had my home as a PUD.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Hello my name is XXXX XXXX I sent debt dispute letters 40 days ago with no response listed below are the accounts In dispute. 

Credit Bureau-XX/XX/XXXX XXXX Original Creditor : XXXXXX/XX/XXXX),XX/XX/XXXXXXXX Original Creditor : XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, N/A, XXXX, XXXX, N/A, XXXX, XXXX, XXXX, XXXX I mailed these out on XXXX
Consumer complaint received 2020-07-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (KS)

Made a complaint with the CFPB, complaint XXXX, the company responded but did not address what was listed as the complaint type. 

AFNI has not provided written communication of attempts at collecting a debt and doesnt provide the ability to dispute a debt prior to reporting it to the credit bureau.