davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NV)

Companies involed : XXXX -Chase Bank  XXXX XX/XX/XXXX, I wasn't able to make a payment to my Chase credit card. On XX/XX/XXXX, I received a call from a Chase representative who worked in the collections department. I answered the call and the representative asked for my routing and account number. The representative also asked me when I would like to schedule the payment. I scheduled the payment for XX/XX/XXXX. 

For XXXX and a half years, I have been using the same routing and account number to pay my Chase credit card. I use the Chase mobile application to schedule payments and never had an issue. This was my first time allowing a representative to help me schedule a payment. I don't recall if the representative repeated my account and routing number back to me when I gave it to her. The collections department processed the transaction for me instead of the usual billing department. 

On XX/XX/XXXX, Chase informed me that my XXXX  bank returned the payment. Chase stated that I couldn't use my XXXX  bank anymore to make a payment since it was blocked. I had to transfer the amount in my XXXX  bank account to a different bank account in order to pay Chase. I also had to set up bill pay which took a few more days. Chase then reported a XXXX  day late delinquent account to the credit bureau. 

On XX/XX/XXXX, a supervisor from Chase informed me that XXXX  returned the payment because the account was invalid. I spoke with a representative from the collections department at Chase and a representative stated that the account number was entered incorrectly in their system. I spoke with a different supervisor at Chase and that supervisor stated that the information was in fact entered correctly. I spoke with a representative from XXXX  ( in the screenshots ) and the representative stated that the payment was scheduled to be debited in the name " my credit card number '' instead of the name on file " XXXX XXXX. '' Both XXXX  and Chase keep pointing the blame at each other.
Consumer complaint received 2024-10-24
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: GOLDMAN SACHS BANK USA (PA)

I had received a secondhand XXXX XXXX camera lens from an XXXX seller on XXXX totaling {$59.00} that upon receipt was found to be defective with loose zooming function. I had sought Goldman Sach Apple credit card support to initiate a chargeback dispute when the seller had refused to credit me for the defective good. Goldman Sach Apple Credit Card did not provide me with adequte review of the dispute case and the concluded that charged amount to be ramined on my accoiunt. I believe Goldman Sach 's Apple Credit Card did not provide the card member service or support in resolving the disputed transaction. 

Dispute case number : XXXX Transaction date : XX/XX/2023 Merchant name : XXXX XXXX Disputed amount : {$59.00}
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (RI)

Please be advised that this is my SECOND REQUEST asking you to remove the unverified account listed below that remain on my credit report in violation of the 15 U.S.C 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that the item is being reported correctly. What this mean is that your company must be willing and able to produce a document in your files that proves the account in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the knowledge of the alleged account and all that has ever transpired for the alleged account, under oath and under the penalty of perjury. You have ignored my request to provide me with the documents that you have in your files that you used to verify the disputed account which means that you are NOT verified or you can not verify my account and under section 611 ( 5 ) ( A ) of the FRCA- you are required to promptly delete all information which can not be verified.
Consumer complaint received 2024-10-24
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Michael J. Scott, PC (VA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding what I believe to be an unlawful garnishment of my wages by Scott and Associates, based in XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX XXXX XXXX. 

From XX/XX/XXXX, to XX/XX/XXXX, Scott and Associates garnished my wages in relation to a debt owed to XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, they submitted a release of debt order to XXXX XXXX District Court, effectively releasing the garnishment. 

However, on XX/XX/XXXX, Scott and Associates submitted another order to the court, attempting to garnish my wages again for the same debt that was already released in XXXX. I find this action to be unlawful and in direct contradiction to the release of the garnishment previously filed with the court. 

I am requesting your assistance in investigating this matter and ensuring that no further unauthorized garnishments occur for a debt that has already been released. 

Thank you for your time and attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CO)

From XX/XX/year> to XX/XX/XXXX there were XXXX unauthorized charged to tik tok from my checking account. I unfortunately do not check my account unless I have reason to, and was not made aware of these charges. I filed a claim on XX/XX/XXXX with Wells Fargo for a total of XXXX dollars. After XXXX business days I had never received any kind of call or email about the claim progress or asked for further information. The claim was adjusted to XXXX dollars without contacting me. I could not get ahold of the bank to adjust this before the claim was closed and denied on XX/XX/XXXX, due to the fact that I had authorized the charges and my claim was closed permanently. I tried to reach a claim XXXX for further information about my claim, and I was told to be patient, and that Wells Fargo would reach out to me. Wells Fargo told me that their technical team could see that I had access to my account and I was aware of the charges. I had recently moved out for the first time at XXXX  years of age and I admit to having a bad habit of checking my bank statements and balances. I do not claim my lack of knowledge of my account activity to be considered authorizations for any tik tok charges. After the charges I had less than XXXX dollars left in my account.
Consumer complaint received 2024-10-24
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: GOLDMAN SACHS BANK USA (PA)

I had sought Goldman Sach 's Apple Credit Card member service to dispute a transaction in the amount of {$50.00} on XX/XX/year>. I did not receive purchased digital goods from the merchant and requested advertisded card member service which Apple and Goldman Sach 's did not actually provide. No supporting documents or chargeback case was properly or timely reviewed.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (RI)

Please be advised that this is my SECOND REQUEST asking you to remove the unverified account listed below that remain on my credit report in violation of the 15 U.S.C 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that the item is being reported correctly. What this mean is that your company must be willing and able to produce a document in your files that proves the account in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the knowledge of the alleged account and all that has ever transpired for the alleged account, under oath and under the penalty of perjury. You have ignored my request to provide me with the documents that you have in your files that you used to verify the disputed account which means that you are NOT verified or you can not verify my account and under section 611 ( 5 ) ( A ) of the FRCA- you are required to promptly delete all information which can not be verified.
Consumer complaint received 2024-10-24
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: ENCORE CAPITAL GROUP INC. (FL)

I am writing to seek your assistance regarding a charge-off on my credit report related to an account with XXXX. XXXX XXXX, account number XXXX XXXXXXXX. The charge-off, dated XX/XX/year>, amounts to {$4000.00}. 

I believe this entry is an error, as I am not a client of XXXX. XXXX XXXX and have never held an account with them. Despite my efforts to clarify this situation directly with the company, I have been unable to reach a satisfactory resolution. 

I kindly request your help in investigating this matter. Specifically, I would appreciate your assistance in : Verify the validity of the charge-off and ensure that XXXX. XXXX XXXX followed proper procedures. 
XXXX. Identifying any inaccuracies in the reporting of this account to credit bureaus. 
XXXX. Informing me of my rights and available options to address this issue. 
XXXX. I have included copies of relevant documentation, including correspondence with the creditor, to support my case. 

Thank you for your attention to this matter. I truly appreciate your help in resolving this issue and look forward to your prompt response.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WA)

On XX/XX/year> I used an ATM. This ATM was down and not connected to the internet, so I received a receipt from the ATM that said at the bottom " TRANSACTION NOT APPROVED '' and " Bank Unavailable. '' As well as stating that {$0.00} had been dispensed. Despite this, Chime debited my account for the money I requested but never received. When I made a dispute claim, I included a picture of the receipt with my claim. It was immediately denied within the hour. I called the disputes department asking why it was denied and requested it be reopened. They claimed that they would send me documentation on why it was denied, which they never sent. Shortly after the phone call where I asked why they denied my claim, they sent me an emailing stating they would be closing my account. On XX/XX/year> my account was closed, despite there being no reason for it, as I had not violated any policy. I called several times asking for the reason why my account was closed and they refused to cite any policy. They hung up on me several times in my search for this information. Then on XX/XX/year> I received an email from the Chime Disputes Department stating that the dispute I made on XX/XX/year> had been reviewed and that an error had in fact occurred and I should have, in fact, not been charged. So I called back asking if they were going to reopen my account since the dispute has been found to be accurate. They refused. They continually hung up on me as I continued to call and ask for a policy cited for why my account was closed in the first place. They have refused to give me any information or to assist me in any way.
Consumer complaint received 2024-10-24
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: GOLDMAN SACHS BANK USA (PA)

I believe Goldman Sachs Apple Credit Card did not provoide adequte or reaonable card member service in the following chargeback dispute case. 
Dispute case number : XXXX Transaction date : XX/XX/year> Merchant name : XXXX ( XXXX ) XXXX Disputed amount : {$74.00} Goldman Sachs Apple Credit Card arbitarily closed the disputed transaction and did not provide reasonable or clear explanation for the outcome.
Consumer complaint received 2024-10-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX Midland Credit Management XXXX XXXX Big XXXX XXXX XXXX XXXX XXXX, MI XXXX Re : Debt Validation Request for Account # XXXX To Whom It May Concern, I am writing in response to your [ letter/phone call ] dated [ date ], regarding the collection of the alleged debt referenced above. I hereby request that you provide validation of this debt, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information : XXXX. Proof that I owe this debt, including a signed agreement or other documents that indicate I am responsible for this debt. 

XXXX. The original creditors name and address. 

XXXX. The total amount of the debt, including a breakdown of principal, interest, fees, and any other charges. 

XXXX. The date the debt was incurred. 

XXXX. Proof that your agency is licensed to collect debt in my state, including your license number. 

XXXX. Evidence that your agency has the legal right to collect this debt. 


While this debt is under investigation, and until you provide the requested validation, please cease all collection efforts and communication with me, except as required by law. 

Please be advised that this letter is not an acknowledgment or acceptance of any debt and is not a refusal to pay. It is a formal request for validation and verification of the debt as provided for by the FDCPA. 

Thank you for your prompt attention to this matter. Please respond in writing at the address provided above. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

On XX/XX/XXXX, after fraudulent transactions on my Chime account were finally done pending ( waited at Chimes request, I reported them immediately ) I filed a dispute on XXXX transactions that were made without my permission. They totaled {$2900.00}. I disputed them on a Friday. The very next day on XX/XX/XXXX, a Saturday, they had already investigated enough on a weekend day to say my dispute would be denied. I requested a full reason as to what investigation was done and why they had come to this conclusion. I was told someone would reach out but still have heard nothing from them. 

All XXXX transactions were from XX/XX/XXXX, starting at XXXX XXXX  and ending at XXXX. After not even XXXX hours on a weekend they claimed a sufficient investigation was done and I have been stonewalled by them ever since. I will be contacting local media XXXX XXXX XXXX News for theyre On your side segment XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX AM {$100.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX at XXXX AM {$100.00XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX AM {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AM {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX AM {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at XXXX AM {$100.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX AM {$100.00} XXXX XXXX XXXX XX/XX/XXXX at XXXX AM {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX at XXXX AM {$100.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX AM {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX AM {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at XXXX AM {$100.00} XXXX XXXX XXXX XXXX XXXX A XX/XX/XXXX at XXXX AM {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX AM {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at XXXX AM {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX AM {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX AM {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AM {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX AM {$200.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX AM {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX AM {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX AM {$50.00} Denied
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc (TX)

I sent a letter to POSSIBLEFINA about a XXXX dollar debt that was charged off as bad debt. if a debt is charged off that means it was written off on their taxes so by federal law the debt can not be collect/reported. the letter I sent via certified mail was returned to sender. If the company is reporting a false address so no one can't contact them then that is also a violation of the law. the address needs to be updated because my letter to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, WAS RETURNED TO SENDER.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-10-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: SOFI TECHNOLOGIES, INC. (KY)

On XXXX XXXX  I had gone to an atm I withdrew XXXX XXXX XXXX realized I needed more so I went back to atm withdrew another XXXX XXXX the money was taken from my account but I never received it so I called the bank and explained they told me it could be ten days to investigate filed dispute on the XXXX  called every day to check dispute with no info then I was told they investigated the wrong atm withdrawals and ithey would have to file a new dispute even though I gave them the right info its been eighteen days Im still with out my money and they still havent credit me back
Consumer complaint received 2024-10-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (TX)

Between XXXX XXXX and XXXX, XXXX, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX, which involved me making deposits for a total amount of XXXX USD from my Gemini account to fraudulent investment firm ( s ). 
Description of the Incident : I have been investing with XXXX XXXX XXXX out of XXXX, XXXX  since the end of XXXX. Invested over {$200000.00} while doing margin trading with XXXX XXXX ( Analyst ) and recently also communicated with XXXX XXXX ( Finance Dept. ). I tried to withdraw {$270000.00} from the account on the XXXX platform to transfer to my Gemini account and was given several excuses but was finally assured the funds would be received in my Gemini account. Needless to say, the funds were not there and my analyst and finantial representative are not responding. 

When I contacted Gemini with a complaint and a request to recover my funds, I was informed that they would close my account and I could no longer access the platform.
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

VALIDATION AND CEASE AND DESIST Collection agency name : LVNV FUNDING LLC Address : Account number : XXXX Your NAME : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXXXXXX Ga XXXX Dear LVNV FUNDING : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-24
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: GOLDMAN SACHS BANK USA (NH)

Purchased a new XXXX XXXX and its advertised as no interest payments with the Apple Card. When I got my statement the whole balance was due. I felt that it would a hassle and their power would outweigh the complaint since its Apple and Golden Sachs so I paid it off to avoid huge interest charges
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (TX)

Ive had a card with Goldman and Sachs for a couple years now, maybe 3? Ive kept up with payments and when Ive fallen behind Ive caught up. Goldman and Sachs randomly closed my card citing Terms and Conditions agreement breach. They couldnt cite anything specific.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Can you help me have the bureau remove inaccurate information I've found that there are tons of incorrect information reported on my file with the bureau. 

The only name that should be reporting is XXXX XXXX XXXX and the only address should be : XXXX XXXX XXXX XXXX, XXXX, TX XXXX