davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (FL)

On XX/XX/year> I was charged {$620.00} on XXXX  XXXX for a purchase. When I received the order on XX/XX/year>, everything was defective, dead, full of pests, and not as described. I was also charged for an item that was not received. I took sufficient photos and videos of everything. I then sent this to XXXX  XXXX on XX/XX/year>. XXXX  XXXX responded on XX/XX/year> stating to send pictures of the items. I sent them the photos as requested. Then on XX/XX/year>, they stated they would review the pictures and then get back to me. On XX/XX/year>, they responded stating, that they would not refund the full amount. The explanations stated are inaccurate as it is evident in the photos that they are describing the incorrect products. They did not address the issue of pests, the incorrect descriptions, extra charges, and all the dead items. They also sent a code for a discount, which did not work. As a result of what they were doing, I filed the first dispute through Goldman Sachs on my Apple Card on XX/XX/year>. I sent Goldman Sachs the photos of the defective, dead, pests, and products that were not as described. Goldman Sachs sent a denial for the dispute on XX/XX/year>. I asked for a reason for the denial and they did not provide one. They never stated if they received my submitted information. I had reopened the dispute on XX/XX/year>. I sent Goldman Sachs the previous and additional information in the correct format that they requested. I also had them confirm that they received the information I had sent, which they stated they did. They had then sent a second denial for the dispute on XX/XX/year>. I messaged them on the same day asking again for the reason for the denial and they did not state any reason. I am asking for assistance in that this matter gets resolved. I am requesting the statement of {$620.00} be removed from the credit card account for the above-mentioned reasons. I have all the photos, emails, texts, and screenshots showing how the product was defective, dead, full of pests, and not as described. I have attached the files to this complaint. The attachments for XXXX XXXX show the photos of the dead corals. It also shows the order, which also shows the description of the product. These descriptions were inaccurate. It also shows that I paid for shipping protection and what shipping protection does. Attached is an email of them talking about a product I did not receive. There is a video showing their offered credit not working. There is an attachment of them stating their products are pest-free besides some items they have, that we did not purchase at all. Also attached are the text messages between Goldman Sachs and me for the filed disputes, in which they never stated a reason for the denials.
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (UT)

Wells Fargo bank is indifferent ; the credit card that Wells Fargo provided me ( with the Wells Fargo logo on it ) has no interest in allegations of fraud committed by that Credit Card Company. I provided the local Wells Fargo bank ( in XXXX, Utah ) with a written explanation of my proof ( with supporting documentation ) and it was soundly rejected. Their indifference was such that when I asked them to read my entire written complaint, they threatened to call security. Those local Wells Fargo officials encouraged me to seek the services of an attorney, stating that although the Credit Card Company bears the Wells Fargo logo on all its correspondence ; that Wells Fargo has no attachment to that company ( and so no one at Wells Fargo Bank [ the general contractor ] would have any interest in the activities of their subcontractors ). I was asked to leave by bank officials ( at the local bank ) or they would call security ; that asking them to investigate my concerns was inexcusable ( so I left ). 
People should be made aware that Wells Fargo utilizes many services that bears the Wells Fargo logo, but the bank ( the general contractor ) takes no responsibility for those services activities ( even though the bank financially benefits from those services that bears the Wells Fargo logo ).
Consumer complaint received 2024-09-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Navient Solutions, LLC. (CA)

I have XXXX loans with Navient totaling {$60000.00}. Each loan has a co-signer. In or about XX/XX/XXXX, I requested information/ instructions from Navient to get the co-signer released from the account. I was employed full-time and earned $ XXXX annually, so I was capable of repaying the loan without the co-signer 's assistance. I was told by a Navient rep that once I made XXXX timely consecutive payments towards the principal I could apply for a co-signer release. I started repaying the loan in or about XXXX, so by XXXX I had made more than XXXX payments on the account. However, I was told that because I missed a payment and/or changed to an interest only payment plan, any prior payments would not count towards the XXXX payment requisite. I paid the XXXX consecutive payments, but Navient refused to release my co-signer when I applied for the release in or about XX/XX/XXXX citing my debt-to-income ratio was too high. My primary debt was my student loans -- the only other debt was a {$15000.00} car note ( {$350.00} per month ). The Navient rep told me to continue to make payments and apply for the co-signer release again. I complied and applied again for the co-signer release only to be told that I was again ineligible. 

I graduated from school in XXXX. This loan is nearly 20 years old and I have not been able to get the co-signer removed despite multiple requests. Navient has now been banned from handling student loans due to unscrupulous practices.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO. (NC)

Last week I realized my credit score had dropped well over 100 points. After reaching out to XXXX and experian today XX/XX/year> they informed me they had not received any information from chase about my account in the past 6 months. Therefore I no longer had a credit score which I presume led to the drop in my score. I called chase and after over an hour on the phone we confirmed that I was unable to obtain my report from XXXX. They insisted that they were correctly reporting the information to the agencies but the agencies insisted chase is not reporting it.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (IN)

I am writing to formally dispute the validity of the debt that you allege I owe. Please take this letter as my notice of dispute pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1. Lack of Contractual Evidence I have no knowledge of any valid or enforceable contract between myself and LVNV FUNDING LLC. I request that you provide me with a signed contract or any agreement that establishes a legal obligation binding me to this alleged debt. Without such evidence, I am not liable for the alleged debt. I expect you to provide documentation of a valid, signed contract between myself and LVNV FUNDING LLC that evidences my agreement to pay the alleged debt in question. 

2. Request for Debt Validation Pursuant to the FDCPA and FCRA, I request that you validate this alleged debt by providing a full, detailed accounting of the account. This validation should include, but is not limited to, the following : - The name of the original creditor, - The principal balance of the alleged debt, - Documentation of any insurance, securities, tax benefits, or other financial transactions related to the account. 

I request this detailed accounting to ensure the accuracy of the amount you claim I owe. Failure to provide accurate documentation could result in a violation of both the FDCPA and FCRA if it is found that LVNV FUNDING LLC has made false or inaccurate claims regarding this debt. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-09-18
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Upgrade, Inc. (MN)

I got a new phone and phone number and attempted to access my account via their app. I put in all my login credentials and needed to do a two-step verification. However, the only way to do that was to send a six-digit code to my old phone number. I contacted customer support to try to get my phone number changed from my old number to my new number. After verifying information such as my name, date of birth, and last four of my social security number, I was informed that additional information was needed. He gave me an email to send over pictures of my driver 's license front and back and a PDF file of my phone bill showing that I in fact has a new number. I didn't hear back from them that day. The next day I get an email that additional information was required. This additional information was to include me taking a picture of myself with a note with eight details of my account and I had to include my full arm in the photo and the whole upper half of my body. This is all just to change the phone number of my account to my new number so I can pay my bill. I personally don't understand why the information I provided to get my phone number changed didn't suffice. I feel as if this is absolutely asinine and I'll landish just to get my phone number changed so I can pay my bill. At this point I feel is borderline harassment. They're essentially refusing me access to my account to pay my bill
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (FL)

I have been charged {$1200.00} to get the air conditioning of my car fixed XXXX XXXX  which is the shop that did not fix my AC and they charged me almost {$400.00} dollars gain but still hasn't fixed it When I take the car back to them they said to me it was gon na cost me another {$900.00} to get it fixed.I disputed it at least 4 times with Goldman Sachs they never ruled in my favor while i need the money get get my car fixed. I've been without AC in the heat of Florida for XXXX  months now and they keep charging me more and more money but nothing fix. This is not fair.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX XXXX : {$1200.00} XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX  XXXX XXXX : {$0.00}
Consumer complaint received 2024-08-08
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. (TX)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IA)

I have been trying for well over a year to dispute ALL accounts in my name listed at this company. They were even harassing me about it so I had to put a cease and desist. Last week I told them to lift the cease and desist because I had gotten information from some of the original creditors showing them Im not responsible, yet they refuse to answer me! They are ruining my credit!
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (TX)

This started back in XXXX on the XXXX with LVNV FUNDING LLC XXXX have sent letters to this company and no documents supporting their claim, I have proof from the bureaus that this information has been REMOVED AND NO SUPPORTING DOCUMENTS STATING THIS IS MY ACCOUNT, the information is unverifiable I also filed a fraud statement with identitygov. This has hindered me from obtaining credit please get this resolved immediately. I DO NOT HAVE A CONTRACT WITH THEM.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (DC)

In accordance with The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy. 15 USC 1681 states section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-ended Consumer Credit plan as late for any purpose.
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

My wallet and phone were stolen on XX/XX/24, the thieves used my debit card and made over XXXX dollars in purchases. They had access to my phone so they changed all my banking and email passwords. I reported the incident to Chase and they proceeded to give me temporary credit to my account. After about a week they took the money back and said that in their investigation they came to the conclusion that it was not clear to them that what I was saying was true. I asked for evidence or what proof they used to reach that conclusion but never got an answer. Every time I called I got different answers on what to do next. They said that I was required to have proof of what I was saying. I now have proof of my police report which I will send to Chase.
Consumer complaint received 2024-06-04
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. (NV)

I am asking for an investigation because these accounts on my credit file are incorrect. The Fair Credit Report Act says I should get {$1000.00} for each error. FCRA 605B requires reporting wrong accounts on a credit file.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance {$1800.00} XXXX XXXXXXXX Balance {$36000.00} XXXX XXXX Balance {$0.00}
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NY)

XX/XX/year> - i noticed a charge on my apple credit card by XXXX XXXX for {$340.00}, this charge was not made by me as i have not been affiliate with XXXX XXXX. 

XX/XX/year> - i tried to call apple about this charge, i was told to contact the merchant directly to ask about the charge. i called the number shown on the charge and it happen to be the area code of XXXX ( XXXX ) so i couldn't understand anything that was said. 

XX/XX/year> - i reached out to apple card specialist to dispute the charge, i was told i am not responsible for any charge that was not made by me so they credited back the amount while they investigate the dispute. 

XX/XX/year> - my dispute of this charge {$340.00} from XXXX XXXX was reversed so i contact apple again and i was told that apple 's investigation found that no billing error occurred and the charge will remains. 

After that i tried to reopen the dispute again for about 3 times and every time apple has always denied my disputed, they still need me to be responsible for the charge that i did not made. 

XX/XX/year> - i tried to dispute again and i request additional information as to why my dispute had been unsuccessful. 
i got the answer from apple specialist said that " the merchant ( XXXX XXXX ) has provided account information and transaction details. the decision may not change '' So i asked them to provide those details from the merchant so i got this evidence in case i need to take legal actions, Apple specialist said that i will receive the evidence to why my dispute has been denied within 10 business days i still have not receive this evidence as of today XX/XX/year>, the charge still remains on my account i have no idea what to do at this point, i felt that it's not right for me to pay for a scammer that might have use my card number without my consent
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NH)

Company finally provided me with statements after my original case was opened XXXX Once they sent the information they told me to reach out to executive offices to discuss anything further. Which I have tried 4 times now with no response. 

The original amount of the card was approved for XXXX which we spent, and then cut the card up and set an auto payment on the account. The very last charge on the account is for {$8000.00} which we did not make, nor should it have even gone through as the card was already at its limit. I am trying to discuss this with someone to get to the bottom of it. The card should have been paid off at the payments made from XXXX but chase is saying we still owe XXXX on this account.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Wealthfront Corporation (MA)

The company in question is Wealthfront.

When attempting to fund a Wealthfront account, you are forced to use their 'instant linking ' service provided by XXXX XXXX who offer similar services to XXXX. These services take your username and password for third party banking institutions and then impersonate you and scrape the bank in question 's public websites and account management portals. Wealthfront does not allow for micro deposit verification, despite their outdated documentation on their website clearly pointing to the fact that they did at some point historically.

The core issue I have here is that by forcing the use of these services, Wealthfront is forcing all of it's users to actively break the ToS of their other banking institutions by handing over their username and password to third parties. In the event of any breaches of XXXX 's stored plaintext or reversible encryption passwords, this forces all customers using such services to bear the full risk of losing all of their assets as they are forfeiting the protections provided by the third party bank 's account security mechanisms. In fact, the ToS of XXXX disclaims all liability arising from the fact that they are storing all of your account credentials. 

It is also of note that these third parties log in, scrape, anonymize and sell all of your third party bank 's transaction information, so the financial incentive for this behavior is clear.