davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA (CA)

On our about XX/XX/XXXX, I attempted to complete a mortgage application with XXXX XXXX  to refinance my home loan. On or about that date, I was informed that my credit report contained a new delinquency that would prevent any refinancing. Specifically, my credit report indicated that an XXXX XXXX  was taken out in my name for more than {$7000.00} in XX/XX/XXXX, that the issuing financial institution, Goldman Sachs Bank, closed the account in XX/XX/XXXX with an outstanding debt amount of more than {$15000.00}, and that GS Bank reported a delinquency on my credit report in XX/XX/XXXX. 

I have never owned an XXXX XXXX, have never received communications about any such card from XXXX or Goldman Sachs Bank -- account statements or otherwise -- and had no knowledge that any such debt existed, was charged off, or reported. I have pulled my credit in the past two years and monitor it actively on XXXX XXXX and this XXXX  XXXX  did not appear on my report. I first learned of this through XXXXXXXX XXXX XXXX summary of my credit report. 

The mortgage broker at XXXX XXXX, XXXX, gave me contact information for Goldman Sachs Bank. I contacted Goldman Sachs Bank on XX/XX/XXXX and reported the identity theft. The person I spoke with also gave me information for credit reporting agencies, who I contacted between XXXX XXXX ( XXXX, XXXX, and XXXX ). They are currently conducting investigations about the GS Bank items on my credit report.
Consumer complaint received 2019-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (IL)

I contacted CITI bank online support on XX/XX/XXXX, was directed to XXXX instead of US. 
Online support representative notified me that account access can't be restore due to account was charged off. I advised representative that my account was enrolled into Debt Management Program since XX/XX/XXXX. Representative transferred my call to Recovery Unit which also located overseas in XXXX. I spoke to a new representative, have to verify all my personal information again. Spoke to representative named XXXX who not very knowledgeable and informed me again that my account was charged off. I advised representative that I never received any notification from a company that account was charged off. Representative stated that they are not required to notify me about action taken on my account. I have been discussing my financial situation with bank and asked him to assist me with enrolling my account into financial hardship program due to recent reduction of my income and lost of my employment. Representative refused to forward my info and request to appropriate department for review. He stated that I'm not eligible for hardship because I do not meet their criteria s for hardship. I requested to speak to supervisor. I have been on hold for more than 10 minutes before I transferred to supervisor. I spoke to XXXX, call center supervisor who also was reluctant to assist me with my need for hardship. He only offered me assistance to transfer my call to payment arrangement department who can assist me some payment options that might be available for me. I wanted to speak to someone in United States and not XXXX and they don't have any number to provide to me for assistance. I'm completely dissatisfied with CITI Bank customer service and how they treat their customers. No assistance at all. No reasonable explanation what they have done with my account.
Consumer complaint received 2021-11-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Checkr, Inc (VA)

On XX/XX/2019, I received an email from Checkr ( XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, CA XXXX ) company stating : 'Hello XXXX, Attached is a copy of your background report. 
The company that initiated this background check has received a copy of the report as well. If you have any questions about your status with that company, please contact them directly. 
A Summary of Your Rights Under the Fair Credit Reporting Act is attached and can also be found here. 
Checkr will have no further updates for you, as your background check is now complete. 
Best regards, Checkr Inc https : //applicant.checkr.com " I do not remember giving consent to any company or anybody whether it is a credit card company, bank, business.. to initiate a credit or background check on me. 
I want to know who is the entity who asked for my background check without my consent, and I think I should know as a US citizen. 
sincerely XXXX
Consumer complaint received 2021-03-26
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: CREDIT CONCEPTS, INC. (WA)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
CREDIT CONCEPTS INC - Inquiry : XX/XX/XXXX CERTIFIED CREDIT RPDT, - Inquiry : XX/XX/XXXX XXXX XXXX - Inquiry : XX/XX/XXXX.
Consumer complaint received 2019-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NJ)

I am a XXXX XXXX XXXX/XXXX  veteran. I served 20 years in the military. After retirement I decided to use my GI Bill to attend XXXX University and obtain my degree. I am just 2 classes short from earning my degree at this point. ( XXXX did not accept all of my military credits as transfer credits and, I took a full course load for 4 years - but still don't have a degree somehow ). 

In 2015 I stopped attending XXXX full time since I just needed 2 more classes. During school, I ended up borrowing using some student loans since I had a wife and XXXX children who came with me to XXXX and we had extra expenses than what the GI bill covered. 

My student loans became due several months later. I paid them but slowly it became too difficult as I was not working, my wife also owed student loans, and I had a daughter approaching college age. 

I tried relentlessly to contact XXXX, XXXX and XXXX XXXX, which were servicing my loans, to get my payments deferred or reduced. When I called there was always a 1-2 hour wait. I called to ask them to talk to my wife who handles our finances. They said they would send me an email form to complete and return - I never received the email. I tried to use their online website to submit payments and contact them but the website would not let me create a user profile and log in. 

When I finally reached someone at XXXX XXXX XXXX they said I could set up loan deferment and we set it up over the phone. Three months later I found monthly email statements that showed they had never processed my deferment request and had been charging me each month, which put me in a delinquent status! I called and waited on hold for over an hour and they put me on a payment plan. Several weeks later the payment became due, but when the statement came it was for more than the amount we had agreed upon on the phone! 

I suffer from XXXX from my time in the military. There has been so many obstacles to working with these school loan servicers it has been so difficult. I have been unemployed for most of the time since attending XXXX, but I have not been able to reach the servicers to apply for deferment or forbearance since my early attempts. 

My school loans have now gone into default. We were sent a letter saying we now owe {$40000.00}, but I know I did not borrow this much money. I have records that show 1 loan was only {$3000.00}. My family needed money from our tax returns recently, but over {$10000.00} were taken in garnishment. 

I do not know who to call or where to turn at this point. 
1. How do I get straightened out what amount I really owe? 
2. How do I get back on some realistic payment plan, given that I am still unemployed? 
3. Is there a payment plan for veterans that are XXXX? 

Thank you in advance for your assistance. 
XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-11-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (GA)

I was seeking to utilize this lender for a new mortgage as a first time home buyer. Due to inconsistent information provided to me regarding state statutes, state options, and inconsistent information as well as frivolous advised to me in writing and verbally, I decided not to use this lender, my credit was ran for a second time again without my knowledge on XX/XX/XXXX by the same company and yet on my credit report it lists the company as " MISC '' vs their name. There was no document/ release executed by me that would have been valid to have my credit ran again by this party, they are NOT my credit union. Please have this noted. The loan officers name was XXXX XXXX. 

This consumer also has not provided me with ALL written correspondence/transmissons ( EMAIL AND OR VIA REGULAR MAIL ) between their company and XXXX XXXX XXXX. I have asked to see any and all information and discussions that took place between this company, loan officer and any other employee within their company and XXXX XXXX. This information was requested due to inconsistencies of an approval, I was told verbally ( phone log shows call ) by employee XXXX XXXX on XX/XX/XXXX @ XXXX that I was conditionally approved but I needed to provide more documents, she emailed me the document request and I complied. The next day the loan officer XXXX XXXX called me ( phone log can confirm ) on XX/XX/XXXX ( next day ) @ XXXX and advised me I wasn't approved with a different reason which was never mentioned to me. I asked XXXX why would XXXX tell me I was approved less than 24 hours ago and now he tells me something different and if I was denied please send me XXXX XXXX official denial of what was sent to him, he advised that he would. As of today I have not received this information. I believe my request to XXXX XXXX for downpayment assistance for my first home was DELIBERATELY SABOTAGED by XXXX XXXX, I make this claim because since I first advised XXXX I wanted to use this entity he was totally against it from the start to the end. In order to rule out if this was true I request the names of the parties that XXXX XXXX and XXXX XXXX conversed with XXXX   XXXX, I also request any and all correspondence between the parties. I then was told I wasn't denied but I needed to provide more information to XXXX XXXX. Obviously you can understand now the reasoning I am now filing this complaint. In addition inconsistent " numbers '' being provided by the lender.
Consumer complaint received 2019-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

I was charged 3 late fees in 3 consecutive months XX/XX/19 ( {$29.00} )XX/XX/19 ( {$39.00} ) XX/XX/19 ( {$39.00} ) and interest. After having explained to them about having financial hardship the bank continuously kept on charging late fees on top of late fees. I dont see how on the basis of trying to make ends meet, does it ethically or humanly make sense to continue to charge a customer something they can not afford. On top of that, the last payment was made the night of XX/XX/XXXX and I was still charged the {$39.00}. I dont believe that these practices are moral or fair and would like to request the fee ( s ) reversed. A bank that operated on ethics would not take advantage of those already struggling and would at least help if asked.
Consumer complaint received 2019-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (GA)

I have a loan with DISCOVER FIN SVCS LLC. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting all XXXX, XXXX and XXXX and DISCOVER FIN SVCS LLC with no successful resolution. XXXX, XXXX and XXXX reporting me late. There was definitely an error on their part. I was never 60 days late XX/XX/XXXX to XX/XX/2019,
Consumer complaint received 2021-09-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ADP Inc. (VA)

Outstanding personal property tax bill ( XXXX XXXX VA ) from previous county of residence paid in full on XXXX. After locating original bill with " paid in full '' receipt from personal records and subsequent call to County of XXXX it was uncovered that the County had, on several occasions, attempted to notify ADP of corrected status in XXXX and XX/XX/2021. 
Subsequently, XXXX sent a notice of wage garnishment on XXXX ( per attached letter ) and received on Friday XXXX ( at my home address ). Document stating that a tax levy order was submitted by County of XXXX ( after my personal investigation ) on XXXX. Funds were garnished from paycheck in the amount of {$240.00} on XX/XX/2021 as evidence by paycheck stub. 
Call to XXXX county to review paid receipt and confirm " closed account status '' clarified the issue and prompted a call to ADP to uncover root-cause and initiate process to return payment of " double paid '' account. ADP Representative was briefed on situation and instructed me to call XXXX County to have someone call ADP to " release the request. '' A brief albeit respectful instruction was made to initiate resolution in real-time via conference call. Per both agency 's I am due a full refund and so have copied my current employer 's payroll department to close the loop. I will continue to follow up until an acceptable refund and resolution has been completed. 
I understand the importance and necessity of collecting funds due and the limitations and challenges that the pandemic has created. These challenges do not negate the absolute importance of appropriate and timely connectivity and communication. I have recovered a detailed timeline of events as well as documentation that I am willing to review on any further follow-up or formal investigation as the information reveals quite a bit of sensitive personal data. Thank you for your assistance. 

Letters and names of individuals from both ADP as well as the County of XXXX will be provided upon request.
Consumer complaint received 2021-03-26
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: CITIBANK, N.A. (WA)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, - Inquiry : XXXX XXXX, XXXX CITIBANK XXXX - Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2021-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (TN)

Fay Servicing , LLC was my mortgage servicer. I sold my property last year and my escrow account was settled and closed on XX/XX/XXXX. On XX/XX/XXXX, I'd received a notice from my insurance company that my insurance refund of {$590.00} was issued on XX/XX/XXXX to Fay Servicing. I was told to contact Fay Servicing for my insurance refund. Due to NY state law, XXXX can not directly issued me my refund. They are required to issue it to Fay Servicing , LLC. On XX/XX/XXXX, I called Fay Servicing and requested my insurance refund. Fay Servicing denied receiving the refund check from XXXX and requested that I provide proof, a copy of the refund check issued by XXXX, before they can expedite my insurance refund. I obtained a copy of the refund check and e-mailed the copy to Fay Servicing as requested. After submitting proof, as requested, I was still denied my insurance refund. I called XXXX and informed them of the situation and requested a fraud referral. I was told it will take up to 90 days for the investigation to complete. I followed up after 90 days but was met with more delays. Finally, on XX/XX/XXXX, I was able to get through and was informed that XXXX had issued a second refund check to Fay Servicing , LLC on XX/XX/XXXX. I was given the number to Fay Servicing XXXX Department, which I called and confirmed that Fay Servicing did received the refund check from XXXX. I called back to Fay Servicing customer 's service # and requested my insurance refund and they denied receiving the 2nd refund check from XXXX. I sent a copy of the 2nd refund check to Fay Servicing customer service, as requested, and they still will not issue my refund. I was told they will get back to me, but it's been over a year and still no resolution and I am back to square one. Please help!
Consumer complaint received 2019-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

This is in regard to a student loan account with Navient that was consolidated in XX/XX/XXXX and has my loan on it and my wife 's with whom I am separated and seeking divorce from and there is no communication with her so I am filing this complaint on my own. I made 10 payments on this loan from XX/XX/XXXX thru XX/XX/XXXX. Of the approx. {$5600.00} that was paid almost all of it was applied to interest and fees. I know that Navient is under federal investigation for mishandling student loan payments so I stopped paying them in XX/XX/XXXX. I do not know how to handle this situation going forward as I do not trust them to handle payments properly.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (VA)

XXXX XXXX lied to me that no hard inquires would be performed on my credit. lETTER ACKNOWLEDGING THIS ATTACHED. Looking ffor monetary damages due to FCRA violation
Consumer complaint received 2021-11-02
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: DISCOVER BANK (FL)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court CFPB FAIR resolution
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (IL)

ON MY CREDIT REPORT DISCOVER REPORTS THAT I PAID MY CREDIT CARD BILL LATE IN XXXXXXXX2018 ON MY XXXX  REPORT, HOWEVER IT SHOWS AS PAID ON TIME ON XXXX  AND XXXX  REPORTS DURING THAT TIME, ALSO IN XXXX XXXX XXXX AND XXXX IT SHOWS AS LATE, HOWEVER I WAS NOT LATE, I LOST MY JOB AND CALLED DISCOVER AND WAS INFORMED IF I SENT EVEN LESS THAN THE MINIMUM PAYMENT I WOULD NOT BE REPORTED AS LATE.
Consumer complaint received 2021-11-02
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. (FL)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : JPMCB CARD XXXX Balance : {$0.00} ; JPMCB CARD XXXX Balance : {$0.00}