davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (WA)

XXXX is trying to claim I owe them {$1100.00} and that it's past due since XXXXXXXX XXXX XXXX and I've never been with XXXX nor did I authorize the service or products put into my name by someone having access to my name, social, and birthday and fraudulently using my information to do this. I have reported to this collection agency that it's identity theft and they failed to do anything about it. The collection agencys name is Jefferson Capital SYST and their contact info is ( XXXX ) XXXX
Consumer complaint received 2024-10-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (CA)

I applied with XXXX  to have my private loans discharged because the school shut down. The XXXX XXXX XXXX XXXX  XXXX and all of its associates are being sued for misconduct and scamming students into loans they couldnt ever pay back. They promised jobs and career opportunities that didnt exist. The degrees were worthless. The interest rates on the loans should be XXXX. Many were approved to be discharged and I was denied. There is no reason for my denial. They gave me vague reasoning. The stress alone that XXXX  and attending this school has even affected my XXXX.
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

In XX/XX/year> my wife went into first national bank on XXXX XXXX XXXX XXXX XXXX. I was not present. The woman asked about a credit card which my wife declined. Then after my wife left she lady signed both my wife and I up for a XXXX credit card each. Again my wife said no and I was not even present to give my permission to run my credit. They said it would not hit our credit and it did. They have agreed to have it removed it from our credit but the bank refuses to do anything to punish or reprimand the worker whose name was XXXX who fraudently did this or the manager at the time who was right there and said she heard my wife say she wanted these cards. We have spoken to police, the bank corporate office and now you.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (PA)

I was locked out of my Apple phone and Apple account because I forgot my Apple ID password after the IOA 16.1.1 " upgrade '' was forced downloaded on my phone. I save my passwords on my phone, which previously allowed for access through my unique thumb print. The recovery process allows for confirming my Apple credit card number ( Apple card through Goldman Sachs ), which I attempted to do by calling Goldman customer service to obtain. The credit card has no account numbers or even a phone number displayed on the card for instructions for who to call when you have any type of problem. I found the phone number by searching online. 

I spoke to a Goldman representative who informed me they " don't have access to my full credit card number, only the last 4 digits. Having been " locked out '' of my Apple account, I can't access my Apple credit card information which is in my digital wallet. Fortunately, I don't owe anything on my account, otherwise I wouldn't be able to make a payment because Apple won't recover my Apple account until XX/XX/2023. They transferred me to an Apple representative, whom also couldn't provide my full account number. 

I'm literally locked out of my profile, which includes access to both personal and business email accounts, all contacts, all financial records and accounts that are " digital '' in nature, as well as any preferred media locations. 

My concern is with Goldman Sachs inability to provide me with information that would have allowed me to recover my account information at Apple, but also Apple Corp for not being able to assist me recover " my data access '', which they should be able to do through a simple verification process. I get the security concern, but I could get them to a point where they would know I am who I represent to be. I had to go and purchase a new cell phone after having been " locked out '' of my existing phone, at which time a representative at XXXX XXXX XXXX could have confirmed my physical identity with Apple, should that have been offered. 

This is an unthinkable situation that is being driven by Apple and their partner Goldman Sachs. How can someone become " locked out '' from their digital profile, restricting or eliminating access to digital financial products.
Consumer complaint received 2023-03-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC (FL)

we had a solar system installed by XXXX XXXX XXXX. main company is in XXXX XXXX texas. 
the florida operations went out of business. 
we have a loan thru Mosaic Solar loan company we signed a contact XX/XX/22 we have contacted both mosaic and XXXX texas bby first class and regular mail, filed complaints with XXXX florida, texas and california. 
we have filed complaints with the states attorney generals office in florida, texas and california we have proof of calls ( hundreds ) to XXXX and Mosaic to no avail, before the lines were disconnected or mailboxes were full Mosaic told the XXXX that things were resolved, yet they told us that they the loan company was unable to contact XXXX XXXX. 
we have filed complaints again with Mosaic after over an hour on the phone yesterday with them. I had stopped the ACH payments 2 months ago. 
the file if 3 inches thick now and post it notes are numerous as to dates and who we spoke to. 
XXXX texas DID send a third party out 2 months ago, 1st solar out of florida to look at the ssytem and inform XXXX texas what was wrong. at that time we were informeed the structure was not installed properly to code and was not wireed properly and only 6 of the 20 panels are generating power. the 1st solar company voice mail is full and the contact person XXXX who is a supervisor for 1st solar his mail box also full so we are or were paying both a power bill and a laon payment which we stopped 2 months ago. 

everything is documented.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (NJ)

I received a notification from both experian and transunion that my mortgage was 30 days delinquent ( XXXX ). My wife and I pay the mortgage, on time, every month and XXXX was no different. I called our mortgage company ( Newrez ) who said they had no record of us not paying and didn't understand why this had been reported but I was to put in writing/email them with the issue and they would look into it. Its been over a month and I've had no response. The delinquent account has been taken off my credit report ( it seems anyway ) but my credit score has not gone back to its original number. It dropped from XXXX to XXXX. Also, my wife 's credit score was completely unaffected which makes this even more baffling.
Consumer complaint received 2024-10-22
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Crow Creek Sioux Tribe (FL)

On the XXXX I paid my {$XXXX} loan advance in full which was {$XXXX} after only XXXX weeks in which the interest was like XXXX to XXXX  % which is insane the initial process to get that money was quick and easy no problems whatsoever however today when I reached out to borrow less {$XXXX} they are now questioning my work phone number which was already verified. Theyre questioning my bank account, which was also verified and theyre asking me to give them the full account number over the phone, which I refused due to fraud in place to protect consumers, they claim it their policy and procedure and this is illegal for what theyre asking. I was glad to verify the last XXXX numbers of the account and told them to withdraw my loan and cancel my account.
Consumer complaint received 2020-01-24
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: Experian Information Solutions Inc. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2023-03-03
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)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$620.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P. (PA)

I already submitted fraud & incorrect information on the last dispute and last 3 complaints i sent to Consumer finance site. everytime i submitted my complaint the company updated my address on the File their trying yo collect!!!! when i complained thats when they updatrd my address to that file because they had to send me the requested information!!! they marked the account as STILL open! i never used this account ever and they leep updating my actual addresses to this Credit card file!!
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

This is a complaint regarding a United Airlines booking I made on Chase Travel, in which I was wrongfully charged fees which were due to the fault of Chase representatives. 

On XX/XX/2023, I called Chase Travel to change a flight, and the representative confirmed my change at no charge. The following day, I still had not gotten a confirmation email, so I called Chase Travel again. After a series of escalations and discussion lasting 2 hours, I was informed that the change had not gone through, and that I had to pay {$450.00} to make the same change. 

As my travel dates were imminent, I ended up paying this amount, but the representative did file a Chase Travel support ticket regarding this issue and assured me that it would be looked into. I contacted Chase Travel again on XX/XX/2023, and upon giving them the support ticket number, the representative quoted me an entirely different minor issue that did surface during the rebooking process, but which I am not concerned about. Before she could update me on the final status of that ticket, the line disconnected and I did not receive a callback even though I had provided my callback number upon her request. I have also tried to contact Chase through their Secure Message center and they advised me to call the Chase Travel hotline to resolve the issue.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

I have received a california state for middle class tax refund. I have registered with money network that has issued the debit card, However I am unable to transfer the money to my XXXX  XXXX account. I have made several tries on multiple different days and multiple times. I keep on getting message that account not found. 

Company is incapable for any transaction and should be removed. They dont want to do transfer but want charges from debit card XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

My Best Buy card was never not in my possession Purchases were made on my account in Best Buy store without the physical card in the amount of {$1200.00} and {$220.00} on XX/XX/2019 and XX/XX/2019 respectively. 
I reported this to Best Buy immediately. The charges were reversed, the card was closed and a new card was issued. The following month the charges were added back to my new account. 
I have spoken with Best Buy customer service approximately 15 hours, written emails on my account, sent a detailed written letter on XX/XX/2019 in an attempt to resolve the problem. I received no response from any of my attempts to resolve this matter. 
Best Buy refuses to reverse these charges, continues to accrue interest and continues to report the account as delinquent to the credit bureau.
Consumer complaint received 2020-05-21
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: CBC Companies, Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX N/A XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-01-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I returned a leased XXXX XXXX on XX/XX/2019. Lease end was on XX/XX/2019 I returned it to an auto broker of my choice in XXXX XXXX CA XXXX XXXX. The same day I also lease a new vehicle. All financing has been through Toyota financial services. After a couple of months, I started receiving calls and letters from the lease end department. I spoke to XXXX # XXXX. The car had not been grounded and were still tracking what XXXX dealer had received it. Later I was told by XXXX # XXXX the car was grounded on XX/XX/2019 My credit score has been adversely affected they reported to the bureau as 30, 60, & 90 late payment. I do not own those car payments. The vehicle had been returned. I ask to put my status to current on time. When I contacted XXXX agent # XXXX on XX/XX/2019 she said when the car is grounded, they would report to the bureau to remove the negative marks. She advises to write a letter to their Toyota financial credit dispute department, but no action was done. I contact Toyota customer experience and spoke with # XXXX XXXX. All they did was waive {$350.00} disposition fee.
Consumer complaint received 2024-10-20
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (MD)

Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance with an unresolved issue regarding a fraudulent transaction on my Cash App account. Despite repeated attempts to address this with Cash App, I have not received an adequate investigation or resolution. 

On XX/XX/year>, a fraudulent charge of {$350.00} was made to my account to XXXX XXXX, which I did not authorize nor initiate. I immediately reported the issue to Cash App 's customer support team, expecting a thorough investigation to be conducted. However, despite providing all necessary documentation and details, Cash App has failed to take appropriate action to investigate this transaction and has not refunded the funds. 

The lack of response and attention to this matter has left me frustrated and concerned about my account 's security and financial information. As a consumer, I rely on digital payment platforms like Cash App to safeguard my financial transactions, and their inability to provide proper support and resolution is unacceptable. The amount was deducted from my case app balance, not my checking account,, and I can not be disputed it through my banking institution. 

I am requesting that the CFPB take appropriate action to investigate this case and ensure that Cash App conducts a full and fair review of the fraudulent transaction, resulting in the prompt return of my {$350.00}. 

I have attached copies of all relevant documentation, including the transaction details, my communications with Cash App, and any other supporting materials. I trust that the CFPB will help resolve this matter promptly. 

Thank you for your attention to this urgent issue. I look forward to your response. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

This letter is regarding the Chapter XXXX Bankruptcy remark filed in XXXX, Ga on my Experian report. The following dates this remark has been disputed in 2019 : XX/XX/XXXX, 2019- Report # : XXXX XX/XX/XXXX, 2019- Report # : XXXX XX/XX/XXXX, 2019- via CFPB, XXXX XX/XX/XXXX, 2019- Report # : XXXX Ive reached out via certified mail, through your dispute portal via web and through the Consumer Financial Protection Bureau . Ive requested several times for information to validate your findings with XXXX. XXXX ignored my requests even with proof attached that their verified consumer report states there is no active nor dismissed case. I have spoken with XXXX via phone as well as paper trail getting the same response from the company. The XXXX XXXX listed informed me that they do not work with credit reporting agencies like Experian therefore they could not confirm nor deny any information. Experian continues to report unverified information about a Chapter XXXX Bankruptcy without proof of your findings. A general statement was responded back to me via CFPB XX/XX/2019, stating the vendor has claimed the information as accurate. Theres no proof Experian verified this information via paper trail besides sending a vague updated resolution letter that states the information is verified. Ive provided documents by XXXX that contradicts your findings. 
This is my final attempt at reaching out via CFPBs website and paper trail before having no other choice but to take legal actions. Under the FCRA, all information being reported must be verified, not falsely reported. Please AGAIN, submit proof of your findings with XXXX via mail and by uploading through CFPB site for my records. If you cant verify the information as accurate as well as provide documentation, please remove the remark from my credit report. 
Attached is the XXXX report showing no reporting Chapter XXXX Bankruptcy Ive submitted to Experian. Ive even attached my XXXX report showing how another reporting agency is correctly reporting the information. 


XXXX XXXX XXXX