davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/year>, I placed an order for a XXXX XXXX XXXX and a XXXX XXXX, and it arrived on XX/XX/year>. Immediately upon opening the package I saw that I was shipped knock off merchandise, so I emailed the merchant and let them know that what I received was not what I ordered. They played clueless and asked me for pictures so I obliged and sent them photos of the shirt and the sweater to which I received a reply explaining that I could not get a refund because all their clothes are custom-made, I explained that it is illegal to knock off name brand clothes like XXXX and make custom-made clothing in their image. Which to me looked nothing like what was being advertised online and even when I was checking out, they showed photos of what I was supposed to be buying and I did not receive any cooperation from the merchant. They stop responding to me. They refused to give me a refund for the fraudulent merchandise that they sent me, I did report them to XXXX. I have reported them to the FTC as well, then I tried to do a charge back with the credit card company that I made the purchase with which was Goldman and Sachs an Apple Card. I submitted the receipt, which was the order that I was emailed that showed photos of what I thought I was buying. I submitted photos of what I received. I also submitted the emails back-and-forth between myself and the merchant and my dispute was denied. The amount that was being disputed was for {$100.00}. My complaint is for Goldman and Sachs Apple Card because they had ample proof that I was in fact scammed and they still ruled in favor of the fraudulent merchant so I am reporting them for not protecting me with this purchase.
Consumer complaint received 2024-09-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Goal Structured Solutions, LLC (MO)

On XX/XX/XXXX, I received an " income reconciliation result '' for my 3 income share agreements. On XX/XX/XXXX, I was billed for underpayments owed to a total of {$2100.00}. I believe this is an error. 

I graduated from graduate school in XX/XX/XXXX. My 6 month grace period would have been up in XX/XX/XXXX, but when I didn't receive a bill, I sent a message on XX/XX/XXXX to see why payments hadn't started yet. I received a message back on XX/XX/XXXX to say that my payments would be starting. 

I have since made the following payments : XX/XX/XXXX - {$160.00} XX/XX/XXXX - {$160.00} XX/XX/XXXX - {$160.00} XX/XX/XXXX - {$160.00} XX/XX/XXXX - {$160.00} XX/XX/XXXX - {$170.00} XX/XX/XXXX - {$170.00} XX/XX/XXXX - {$170.00} Even if I should have been paying the {$170.00} for the entire time, and if I am being charged for the payments for XX/XX/XXXX and XX/XX/XXXX, it does not add up to the amount charged of {$2100.00}. I believe I am being charged for the entirety of XXXX, even though I was in full-time school from XX/XX/XXXX - XX/XX/XXXX and then had the 6 month grace period. 

I messaged on XX/XX/XXXX to ask about what the " income reconciliation result '' meant and for a deeper explanation of it, and I received a message back on XX/XX/XXXX that did not answer the question : " Hello, Yes of course! Your annual income is over the {$20000.00} annual threshold for your account. Therefore, payments are generated and due each month. Please reach out with any other questions. Thank you, Launch Servicing Team ''. 

I sent another message on XX/XX/XXXX, including part of my income share agreement stating that no bill should be greater than 15 % of my income. I have not received a response. It was after this that I realized I was being charged for payments that I did not need to make.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (MD)

It is difficult or impossible to communicate with Optum Bank customer service, which is located in the XXXX. The customer service reps can not hear customers because the Optum Bank phone system is chronically broken. 

I made several phone calls today to Optum Bank customer service and on most calls, they could not hear me. I tested my phones by calling other companies and the calls proceeded perfectly. 

This is a chronic problem that Optum Bank has had more than ample opportunity to resolve.
Consumer complaint received 2024-09-04
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (FL)

I called Jefferson Capitol LLC that shows on my credit report in collections. I ask the Rep to please show me how this debt belongs to me. I also told him that I may be a victim of identity theft or someone is using my social security number for a debt that is not associated with me.
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (FL)

RE : XXXX and Chase Bank Transaction Date : XX/XX/year> Amount Paid : {$560.00} Payment Method : Credit Card I am writing to file a formal complaint regarding a recent purchase I made through XXXX. Despite selecting a 12-month no-interest installment plan at checkout and receiving an invoice confirming this agreement, my credit card was charged in full by XXXX and Chase Bank . 

I contacted both XXXX and Chase Bank, but each pointed the finger at the other, leaving me stuck in the middle with no resolution. I only made the purchase because the installment option was available. The item in question is a XXXX XXXX for my XXXX mother. Despite needing the lift, had I known the payment would be required in full upfront, I would not have made the purchase. 

This is a significant amount of money, and I feel I was misled. I am seeking your assistance in resolving this matter by ensuring the installment plan is honored as originally agreed upon or by issuing a full refund if this can not be arranged.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

These are hard inquiries that I did not authorize these inquiries are fraudulent : XXXX XXXX XXXX XXXX Capital One Auto Finance XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligator or a credit issued to the obligor.
Consumer complaint received 2024-09-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SANTANDER HOLDINGS USA, INC. (LA)

My name is XXXX XXXX a federal protected consumer me, and I am making this complaint against Santander Consumer USA INC for committing identity theft. I have never Santander Consumer USA Inc any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC sub section 1692e ( 12 ). 

I have not validated any alleged debt with Santander Consumer USA Inc and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/year>, I have not received documentary evidence, such as a trilateral contract, Santander Consumer USA INC any right to colect on this alleged debt. Im requesting your Errors and Omissions number #, has insurance on this account been file and please provide license to collect in Louisiana. 

I have never received any documentation requesting validation from Santander Consumer USA INC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 USC 1692d ( 4 ), which the FTC defines as debt parking. If Santander Consumer USA INC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, Prior to furnishing on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debt until the company can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Santander Consumer USA INC continue its collection efforts, I will file for litigation for actual damages caused and Santander Consumer USA INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt documents herein and of this notice, you are hereby notified XXXX XXXXXXXX. Your prompt attention and response are both requested and required. 
ACCOUNT # XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-08-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (KS)

XX/XX/XXXX, I received a call from a XXXX XXXX, he informed me he got past my Coinbase sign in and put XXXX of my XXXX  ( {$43000.00} ) on the XXXX XXXX. He called because he was hoping to bribe me to get my funds back ( I have a witness that heard this gentlemen on speaker phone ). I was unable to log into my own account, so I contacted Coinbase and they sent me an email confirming this. On XXXX occasions, the recipient from Coinbase said " you are ok, your account is safe, it is locked down and because you are a Coinbase XXXX member, you have coverage to have a one time replacement of your funds. At no time did I receive anything that confirmed they locked my account and when I went through identification process on XX/XX/XXXX, to log into my account, the account was not locked. 

A week following the coinbase theft I received an email from coinbase stating we reviewed your case and you are ineligible to receive your funds back. XXXX XXXX of XXXX XXXX, sent an email to coinbase with my case XXXX stating he was going to do an interview with me asked them why they were not covering their end of the agreement? A coinbase representative called him and falsely stated I had not filed a police report so they could not pursue this. I filed a police report on day one that was XXXX pages ( the second was office use only ) and coinbase received it because they sent a return email saying " we did not receive page XXXX '' and I responded why and also had the XXXX, XXXX  police department emailed coinbase confirming the report. The coinbase representative who called XXXX XXXX also accused me of removing the funds even though I could not log onto my own account from XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted this complaint again to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aldous & Associates, PLLC (IL)

Delete account number XXXX and account number XXXX. I am writing to dispute an unauthorized accounts with Aldous and Associates. I have no contract with them and believe this account is a result of identity theft, possibly stemming from a recent data breach. I have registered with IdentityTheft.gov and request that Aldous and Associates provide proof of contractual debt and how they acquired my identity. Since they have not verified this information, I demand that this account be removed from my credit report immediately. They are in violation of 18 USC 1028 and UCC 3-401 and 15 USC 1601-1667 by not giving me full disclosure.
Consumer complaint received 2024-09-26
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Greeting Team, LLC DBA Customer Care Global (NV)

On XX/XX/year> I received an email regarding an alleged debt with XXXX ( online lender ) who has transferred a debt to Customer Care Global. Same day I emailed customer care global and referenced their account number. My request for verification was sent to customer care global  on XX/XX/year>. To date, no response has ever been received from customer care global.
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (AZ)

I noticed an undisclosed {$150.00} annual fee, when I checked my Terms and Conditions it stated the annual fee was only supposed to be {$99.00}. I inquired and requested a refund of the difference, the manager said that the new Undisclosed annual fee was {$150.00} and they wouldn't do anything about it. I canceled the card and a Manager guaranteed me that since I was canceling the {$150.00} would be refunded. It was not refunded after 10 days. I called again and they said it would take until XX/XX/XXXX to reflect. I advised I would make the payments as soon as the balance was corrected. They have not corrected the balance and when I attempt to communicate via chat or phone call I'm sent in a loop and hung up on.
Consumer complaint received 2024-09-23
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC. (FL)

On XX/XX/XXXX, I submitted the docs requested by Axos Bank for closure and disbursement of the funds for my mother 's account to the estate of XXXX XXXX. I am the executor of my mother 's estate. 
On XX/XX/XXXX, I received an email from Axos Bank stating that because of alterations to the letter of testamentary, it's legal department would need to review the docs and that it could take as long as 30 days. The only alterations to the letter of instruction was to change " and '' to " or '' in the document regarding the executors of the estate. 
On XX/XX/XXXX, I forwarded an email from the probate judge explaining the alterations on the letter of testamentary and also included the probate judge 's Certificate of Service with the contact info for the court and her contact info. 
I have called numerous times during this entire process, being told each time that they do not have an update from the legal department.
Consumer complaint received 2024-09-23
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC (AK)

I have received several phone calls from XXXX team in an attempt to collect a debt from a payday loan I received from cash central in XXXX. This debt is well past the statue of limitations for legal action yet they are stating they already have a lean on my property and are stating they aren't attempting to collect a debt, but that it is a legal matter instead so the statue of limitations doesn't matter when I speak to them over the phone. I have since asked them to stop contacting as well.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (NE)

Follow-Up on CFPB Complaint XXXX As I have already brought this matter to your attention, you have failed to take appropriate action to investigate and delete this inaccurate information within the legally required timeframe. This failure to comply with the FCRA, despite having been notified, constitutes willful noncompliance as outlined under 15 U.S. Code 1681n. 

Due to your failure to address this issue properly, I have suffered damages, including but not limited to : Lower credit score : Resulting in the denial of credit or higher interest rates.

XXXX  XXXX  : Caused by the negative impact of inaccurate credit reporting. 
Financial harm : Due to credit denials or unfavorable terms for loans or credit lines. 

In light of the harm caused by your willful noncompliance with the FCRA, I am requesting : XXXX. Immediate removal of the inaccurate information that your company is reporting to my credit. 
XXXX. If you do not remove these accounts, I will be forced to sue for compensation of damages. 

Compensation for damages : I reserve the right to pursue legal action under 15 U.S. Code 1681n to seek actual damages, statutory damages, and punitive damages, along with attorneys fees and costs if necessary. 

Estoppel by Silence : Your failure to respond or act within the required timeframe reinforces your noncompliance.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (OK)

I am writing to request the removal of unauthorized fraudulent credit inquiries on my XXXX credit report. My latest credit report shows number of hard inquiries i am disputing credit inquiries that I did not authorize I am writing to dispute the following inquiries and ask for their removal from my credit report. 

XX/XX/XXXXXXXX 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 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 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
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this XXXX. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

I should not have been charged, according to XXXX lease terms. A XXXX  limited my XXXX XXXX XXXX XXXX and they could not provide living accommodations that I financially qualified to obtain. I do not owe this debt. No affordable accommodations could be made. There is an income requirement to reside at this property. I qualified for the rental amount on the XXXX XXXX, but not the XXXX floor ( which is the only XXXX  my XXXX would allow me to access ).
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. ()

Hi, My bank stopped to send me debit card automatically after its expiration. I have to call them and they claim they sent it to me. They are not using any kind of tracking number and I can not verify the status of the letter. The same thing happened 3 years ago and I had to wait for two months without being able to access my funds for everyday necessities. They claimed it went to another address and so on. Before that It was fine. I am not sure what is being going on and why? 

Could you please step in to help. 

Thanks Sincerely,
Consumer complaint received 2023-03-14
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit reporting ac XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.