davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (WA)

Goldman and Sachs for my apple card account. Accepted my payment and applied it to my account with out making the credit available, and then reversed the payment a few days later. I have the screen shots of when they accepted the payment and the available credit was still left at XXXX. my payment was not returned to me and its been well over a month and a half. 
Notice of dishonor sent to CFO of Goldman and Sachs Next Day air express envelope. 
Tracking number XXXX XXXX XXXX XXXX XXXX. New Payment with tender instructions with a memorandum and bankers affidavit. 
I will be filing a 3949-A form with the IRS for failure to honor, process and credit account. This has caused loss injury and harm to myself and my offspring. an offer of performance was tendered in good faith as full satisfactory of their claim with the full intent if extinguishing any alleged debt, duty, obligation, or liability it is their duty to honor my instruments. They are also making false statements to the credit bureaus and denying, e access to my credit. I ask to have my instruments honored and access to my credit. also to have proper reporting on my credit reports.
Consumer complaint received 2023-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 vears 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2023-06-02
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: DISCOVER BANK (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name : XXXX XXXX & Account Number : XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

I paid off a XXXX kids store credit card which is XXXX Bank. I paid off a late fee which was a balance over the phone which the service adviser helped figure those numbers then requested to close the account. The next month I received a balance again and I ignored knowing that I had paid the balance and closed the account based on what the adviser said I owed and now XXXX months later I owe {$95.00} dollars just on late fees and interest. This is unacceptable and I need help so it doesnt affect my credit XXXX
Consumer complaint received 2017-08-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NJ)

I have a problem with the holder of my mortgage loan, Fay Servicing. My name is XXXX XXXX, I am the surviving spouse and rightful owner of my home located at XXXX XXXX XXXX in XXXX, NJ. I am currently delinquent on my mortgage loan and have been attempting to get Fay Servicing to work with me towards a solution so I can save the house. My XXXX XXXX has had a couple of bad years which put me in a tough spot financially and my wife passed away as well. At this time I am approximately {$22000.00} behind on my loan. I have tried to get Fay Servicing to work with me towards a modification so that I can save my home, but am unable to gain any traction. I have been led to believe that since I received help with a modification in the past ( 5 years ago ) that there is no help available. I know that there are programs and options available and want to know why Fay Servicing is not considering me for any of these programs. My financial situation has stabilized and improved and I am able to afford a fair payment, but cant come up with the full {$22000.00} to reinstate the loan. This house has been in my wifes family for decades and I dont want to lose it. We bought the home and put it in our name in XX/XX/XXXX and had no problem making our payments until XX/XX/XXXX when I was hurt in an accident and XXXX XXXX XXXX. I was out of work for 2 months and my wifes income was not sufficient to keep up with the bills. We fell behind and reached out to our lender at the time, XXXX XXXX. They were very helpful and we were able to get our loan modified to an affordable payment in XX/XX/XXXX. My XXXX XXXX hit a rough patch in XX/XX/XXXX. I have worked as a XXXX for 40 years and it is my family business, but XX/XX/XXXX was one of the worst years ever. At the same time my wife was having a lot of health issues and we defaulted on our mortgage payment. Then my wife passed. It took quite some time to regroup and handle the business affairs as well as getting back on my feet emotionally. I have tried to get Fay Servicing to work with me towards a new modification or restructured loan but have not made any progress. They have not assigned my case to an account manager, they have not reviewed my current financial information, and seem to not understand the hardship that I have recently endured. As explained, my XXXX XXXX is doing well and is stableI am also going to be receiving some SSI benefits from my wife as well. I have had a change in my financial situation and can afford a fair payment. The issue is that the lender agents only give me the option of repaying all the missed payments at one time. I do not have {$22000.00} to pay them, but if they would work with me I can resume making regular payments and we can resolve this situation.
Consumer complaint received 2017-07-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Acceptance Corporation (CA)

This is my last effort to resolve this matter before I pursue to taking legal action.
This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validate of it and asked that the item be removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.
Consumer complaint received 2023-06-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XX/XX/2023, I had trouble installing software for my new XXXX XXXX XXXX printer. According to the instructions book I went to XXXX to download XXXX XXXX app and software. But I failed to do so. At this time a pop-up window showed up as XXXX tech and asked if I needed help. I said yes. Then the pop-up window said someone from XXXX will XXXX me to help. Then someone called XXXX called me from XXXX ( XXXX NJ ) .He said he must log into my computer in order to fix the problem. After he logged in my computer, he said there are a total of 46 hackers on my computer. Then he said the hackers are trying to withdraw money from your bank account. You should check to see if there are any unknown withdrawals. So, I logged into my account while he was looking at my computer. But I told him that I did not see any unknown withdrawals at that moment. He said not yet but in processing. Unforturnately after his visiting my computer, I noticed XXXX international transfers from my account to an account called " XXXX XXXX '', {$1100.00} and {$340.00}. It was XXXX XXXX on XX/XX/XXXX. I called Bank of America immediately. But the office was closed. I waited next day on XX/XX/XXXX at XXXX XXXX, I went to the branch of Bank of America and asked them to stop the transactions. But the representative said Bank of America does not have a way to stop this type of scams. They just let the transaction go through and charged me two international wire transfer fees {$10.00} and {$34.00}. My total loss is around {$1500.00}.
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The right to contest my credit report is something that every American has, and I am exercising this privilege. I understand the nature of these proceedings- it's not just about whether or how much money was owed, but also what kind of debt loadurbances can have on your life if they're left unchecked! Debt loadurbances can have a huge impact on our lives if they're left unchecked, so it's important to report any derogatory information accurately and compliantly. I am requesting that you investigate the validity of the allegations in my credit report, and if they're current and compliant with regulations, then we'll leave things as they are. However, if any of the information is not accurate, I demand that you remove it from reporting immediately.
Consumer complaint received 2017-07-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC (CA)

I have a loan with Mobiloans LLC which I have given 16 bi-weekly payments totaling {$2100.00}. It recently came to my attention that Mobiloans LLC is owned by the XXXX XXXX XXXX of Louisiana and it does not have a license with my state, the state of California, so my loan is illegal and void. I sent them a letter explaining this issue and told them I would pay only the principal balance and not the fees. Adding all my payments together I have overpaid my original loan of {$1000.00} I took out in XX/XX/XXXX plus the the additional loans of {$600.00} in XX/XX/XXXX, {$200.00} in XX/XX/XXXX and {$200.00} in XX/XX/XXXX. In the letter I stated the overpayment, asked to have acknowledgement that my loan is paid in full and my account updated to reflect this and then closed. I also asked for a refund of my overpayment and told them of my revocation of ACH authorization as well as no contact by phone to my home, cell phone, or employment, or my references for the loan. They responded with generic responses and then said Mobiloans LLC ownership by the XXXX XXXX XXXX of Louisiana is governed federally and does not need a license to operate in any given state and that I still have a balance of {$1400.00} which I need to pay. With the outrageous fees that they charge and every payment I have made, I want them to consider my loan satisfied in full because my loan with them is illegal and void and I will only pay the principal which I have. My last payment to them was on XX/XX/XXXX for {$120.00}. For example, for this last payment of {$120.00} only {$35.00} goes towards the principal the rest is all fees.
Consumer complaint received 2023-06-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Bread Financial Holdings, Inc. (VA)

I received letters in the mail for credit cards I have never applied for. I have never in my life applied for a credit card. And I think I know who's doing it, because this person is already had several fraudulent cases pending against them. I have no idea how many or even if it's just limited to personal credit. On XX/XX/XXXX by a bank called comenity capital bank
Consumer complaint received 2017-07-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North American Credit Services (FL)

On complaint # XXXX which was filed with The Consumer Financial Bureau about North American Credit Services the collection agency agreed to remove from all 3 credit file, all account with their agency while they rebilled to XXXX XXXX. The accounts that were placed with XXXX credit were removed. However the same account were also placed on my XXXX credit and were not removed a total of 13 more accounts. Can you please request the removal of the additional 13 account that were placed on my XXXX credit file. Thank you
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against JP Morgan Chase in relation to my Marriott XXXX XXXX XXXX. I have always maintained a strong credit history, regularly making timely payments on my account, which had a credit limit of {$9000.00}. 

In XX/XX/, I was informed by Chase that all my accounts were being closed. Understanding the situation, I attempted to make payments in person at a Chase branch located at XXXX XXXX XXXX, XXXX, CA XXXX, because I could no longer make payments online due to the closure of my accounts and not having any other bank accounts at the time. Despite my efforts, the bank 's system did not permit me to make payments on two separate occasions. 

Due to these circumstances, I decided to open a checking account with XXXX XXXX in order to continue making payments towards my credit card balance. However, because the account was new, a check was not processed on time, resulting in a non-sufficient funds ( NSF ) decline. Chase subsequently reported my account as delinquent to the credit bureaus, causing a substantial drop in my credit score. This has affected my livelihood significantly. 

I have since paid off the balance of my credit card account, but the negative mark from Chase remains on my credit report, continuing to impact my credit score and financial opportunities. I believe that Chase has not treated me fairly in this situation, particularly given my efforts to make payments despite the obstacles presented by the closure of my accounts. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action. I believe it is only fair for Chase to retract the negative comment from my credit report since the delinquency was not due to my negligence but rather to their system 's restrictions. 

Thank you for your attention to this matter. 

Yours sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-05-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates (GA)

Creditors Bureau Associates   XXXX   XXXX   XXXX   XXXX   notified me approximately  one ye ar ago that I have a debt related to   XXXX   XXXX  . They stated that I could request evidence that the debt was mine if I did n't believe I owed the debt. I submitted the paper requesting such evidence but never received anything from  CBA prov ing that I owed the debt. I received two more dunning letters the latest dated  XXXX / XXXX / 2017 . I wrote a letter to the  CBA  on  XXXX   XXXX ,  2017 , asking again for evidence that the debt is mine but to date, I have not received anything in response.
Consumer complaint received 2023-06-02
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. (FL)

I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Delete this account. 


XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX DPT ED/XXXX Account Number : XXXX Delete this account. 


XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX DPT EDXXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX DPT EDXXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Delete this account. 


XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX DPT EDXXXX Account Number : XXXX Delete this account.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I paid my XXXX  card in full in XX/XX/2023. They had just sent it to a collection agency. XXXX is not reporting my credit card paid in full on my credit report. I have tried to contact them, but get someone with a foreign voice that doesn't understand what I am asking for them to do. I have disputed this 3 times with all three credit bureaus, and they will not update my credit report. This is now causing me to be denied from renting an apartment.
Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HOPE BANCORP, INC. (CA)

I noticed an unauthorized withdrawal of {$3000.00} from my checking account on my bank 's website. The withdrawal was made to an XXXX XXXX card. I called my bank, Bank of Hope, to report the fraud, but they refused to open a fraud case. The bank representative told me to contact XXXX XXXX instead. This is a violation of Regulation E, which requires banks to investigate all reports of unauthorized transactions. 

I am requesting that the CFPB investigate Bank of Hope for violating Regulation E. I am also requesting that the CFPB require Bank of Hope to return the {$3000.00} that was withdrawn from my account.
Consumer complaint received 2017-07-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CB1, Inc. (MT)

i find it funny the last time i called them i was told they didnt have a current address and was getting returned mail but never called. but today i was told by the manager that they had my current address on file for awhile ... so please tell me why you were send to the wrong address on file and not the current one. i feel like you have tried to push a suite that i was calling on and trying to make sure you had everything you needed sorry my hoouse was condemned not my fault at all - i have gone into debt for this happening and i am sueing submit for this. this is very rude to send to the wrong address so you could sue someone for more money - the law is i dont have to pay you what you ask for - i was never offered any thing nor received anything from you. you are a very sneaky company and now that i know you have all my current information and have this whole time ... serve me right. all if is funny that the response to my last claim is send to the name of my husband ... so i dont know who you are collecting on but you sent it to me for my debit. if you are trying to collect on my husband you will need to mail him a notice - cause we have no clue whonm this debit is for. this is to nasty ... your a horrible company that has no heart for other nor follows the laws or rules for your company with lies over and over which i have proof of everything that has been said to me and your manager even stated when i call the first time it was not even filed yet was just filed so i was threathed suite last complaint and you have not even filed it ... i was at work on all these calls so they are recorded and can be used for court as well