davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: January Technologies, Inc (FL)

On XX/XX/XXXX I received an email from XXXX I had a loan with XXXX XXXX XXXX XXXXXXXX had sent the account over to XXXX. I was on a payment plan of {$62.00} 12 weekly payments starting on XX/XX/XXXX when I went and put in my debit card invalidated a XXXX cent charge, so the payments began on XX/XX/XXXX I thought I was on the right track and then. And the debit card I had on file last four digits XXXX. I had to cancel that card because it had gotten lost and I had to order a new debit card. Because of that I had a payment on XX/XX/XXXX. I had to skip that payment on XX/XX/XXXX to avoid the card getting charge because that card was already closed. I got the newdebit card on XX/XX/XXXX ending in XXXX. I tried to update it on XXXX but there was an issue with the website updating the debit card. I sent out an email and a representative from XXXX had reached out to me and said that there was an issue with the website and now I can update the new debit card. I updated the new debit card on file on XX/XX/XXXX. I checked back this morning and its saying the next payment is XX/XX/XXXX so Im assuming OK I have been on track so far. Find out what the balance is the remaining balance. Out of curiosity and an agent told me when I spoke over the phone that my balance is still the same and that nothing has been taken out and Im like how is that if I the debit card I had on file had no issues but I had to close that debit card because I had to get a new one because I lost it so I dont know whats been going on and Im in a bind already as it is and now its like I dont think thats fair so this entire time nobodys been charged and youre not charging I dont know whats going on here, but this is shady. I am in fixed income and Im barely making it.
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (CA)

I believe the account is invalid. APPLE CARD/GS BANK USA needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.APPLE CARD/GS BANK USA XXXX
Consumer complaint received 2024-06-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (FL)

The XXXX XXXX XXXXXXXX XXXX account has a withdrawal limit of XXXX per statement cycle. This account is advertised as a savings account with features of a checking account, such as a debit card for spending and checks. I believe that this withdrawal limit is misleading. On the account overview and personal deposit fees schedule PDFs they have on their website, it says it applies to withdrawals and transfers made from a branch, ATM, by mail or between any electronic means. I interpreted the electronic means to include online transfers between bank accounts, and withdrawals to mean withdrawing cash at the bank and ATM. I do not see debit card purchases specified anywhere in these documents. If this had been specified in these documents, I would not have made these debit card purchases. When I spoke with someone on the phone on XX/XX/XXXX, they said that debit card purchases using a POS counts as withdrawals from the account. I do not see this in writing anywhere. Also, it says they charge a {$15.00} fee per withdrawal over XXXX. I have been getting charged amounts such as {$30.00} on XX/XX/XXXX ( XXXX statement XXXX {$30.00} on XX/XX/XXXX and {$45.00} on XX/XX/XXXX ( XXXX statement ) at once. If I had been given the immediate {$15.00} fee after making a debit card purchase, this would have been less misleading. I believe these {$15.00} fees should have been separate transactions. On my account statement, withdrawals, debits and service charges are where I can review transactions in which money was taken out of my account. This language makes it seem like debits are different from account withdrawals. Debit card purchases are also distinguished from online transfers and atm withdrawals. On the apps posted transactions, when I click on transactions Truist app tells me that these are POS transactions and Debit. They are not classified as transfers or withdrawals. I feel like the language for their withdrawal limit fee is very vague and misleading. These fees total to an amount of {$100.00}. Truist only gave me a courtesy fee of {$75.00} on XX/XX/XXXX.
Consumer complaint received 2024-06-27
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

XX/XX/XXXX - paid account balance in full {$200.00} online, called Comenity Capital Bank to cancel the credit card. Was told they show I paid my account in full and my credit card would be closed. 
XX/XX/XXXX - Received late fee 's and interest, paid account balance in full again {$62.00} and again called Comenity Capital Bank to confirm credit card was cancelled. Again was told my account was paid in full and my credit card was closed. 
XX/XX/XXXX - Received late fee 's and interest, paid account balance in full again {$210.00} and again called Comenity Capital Bank to confirm credit card was cancelled. Again was told my account was paid in full and my credit card was closed. 
XX/XX/XXXX - Received letter Paid In Full Letter from Comenity Capital Bank. 
XX/XX/XXXX - Was notified my payment was due of {$3.00} interest so I again paid in full. 
I don't know how to make this stop, I really need help, Comenity Capital Bank has been no help at all.
Consumer complaint received 2024-06-26
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: 21ST MORTGAGE CORP. (MO)

On XX/XX/year> 21st Mortgage was asked to provide proof of the original security agreement or copy of the security agreement. Proof that they hold title or deed, and that proof there was a debt owed to them once the security agreement was transferred to them. Was the transfer in excess of the supposed amount due, proof of contract between the principal bondholder and 21st Mortgage. If any insurance policies were bought on this security agreement and if those policies were in excess of the disputed amount owed? 

From XX/XX/year>, 21st Mortgage refuses U.S. funds to be applied to the account balance. Uniform Commercial Code outlines U.S. funds as negotiable instruments, bills of exchange, promissory notes, drafts, checks, money orders, coupons, etc. 
The Federal Reserve Section 16 Part 2 corroborates this further bills, notes, promissory notes, bills of exchange... 
Each month, they have sent a security bond statement of unearned interest due to the principal with an attached remittance coupon. The coupon is a negotiable instrument. The Principal 's Name, Principal 's Account, Principal 's Balance have all been listed as outlined by the UCC. The coupon has been properly indorsed and given instructions and order to pay to the bearer and on demand. The presentation to the United States Treasury is placed on the front of the bearer paper so as to leave no question as to how to deposit if in fact a debt was owed. 
However, they resend all documents each time.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (GA)

In accordance with the fair credit Reporting act 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 a 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 and purpose.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (MA)

Goldman Sachs Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX On XX/XX/XXXX XXXX XXXX began a recurring charge of my Apple account for {$9.00} on the XXXX of every month. On or about XX/XX/XXXX I noticed my account had been incurring this unauthorized monthly charge of {$9.00} by XXXX XXXX and contacted Apple Support. On XX/XX/XXXX I was credited for the 5 months of unauthorized transactions XXXX XXXX remitted through Apple Pay between XX/XX/XXXX and XX/XX/XXXX. 

Although I had reported this account/card compromise by XXXX XXXX in XX/XX/XXXX, the same transaction continued to be processed to my account on XX/XX/XXXX through XX/XX/XXXX which I again reported to Apple Support on or about XX/XX/XXXX. On XX/XX/XXXX I was credited {$9.00} for the XX/XX/XXXX unauthorized XXXX XXXX transaction. 
At this time, I believe I was issued a new titanium card and advised to change my Apple password. 

Again, although I had reported this XXXX XXXX compromise of my account in XX/XX/XXXX, the recurring automatic XXXX XXXX debits continued to post to my account from XX/XX/XXXX through XX/XX/XXXX. On or about XX/XX/XXXX I again contacted Apple Support and received 4 more credits for {$9.00} for those unauthorized debits. On XX/XX/XXXX I received XXXX emails ( Dispute Case # XXXX XXXX, XXXX, XXXX, XXXX ) notifying me that the credits I had received for the debits incurred between XX/XX/XXXX an XX/XX/XXXX would be reversed because the investigation had confirmed I had authorized the transactions. Confirmation of such an authorization is impossible because I have NEVER authorized a recurring transaction for {$9.00} with XXXX XXXX. At this time, my titanium card was cancelled and I was sent a new virtual card number for Apple Pay to my Wallet. In spite of that, I was charged AGAIN for unauthorized XXXX XXXX charges on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I contacted Apple Support AGAIN. 

I have no relationship with XXXX XXXX. Upon researching XXXX XXXX, this is a known scam being perpetrated on unsuspecting cardholders. Goldman Sachs and/or Apple should be addressing this scam with XXXX. Obviously, the unauthorized charges are being credited to XXXX XXXX which means someone at XXXX or the company itself is receiving ill-gotten gains from these transactions. 

I removed my virtual Apple card from my Wallet to discontinue my use of XXXX. This should NOT be the solution to avoiding these unauthorized charges. I believe part of the problem is Apple Pay 's use of a titanium physical card and a virtual card that have different card details for authorizing transactions. To address fraud, the consumer must understand the difference and the average person will not.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (CA)

I believe the account is invalid. APPLE CARD/GS BANK USA needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.APPLE CARD/GS BANK USA XXXX and XXXX.
Consumer complaint received 2019-04-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AR)

Nelnet loans tried to say that I took out loans by completeness the fafsa when I took out Pell Grant. I was threaten to be prosecuted and garnished of my XXXX income regardless if I make more payment.
Consumer complaint received 2024-06-26
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 (NJ)

There was an order placed XX/XX/year> for {$520.00} from " XXXX ''. The order was market as delivered, despite never being delivered. I reached out to the shipping company ( XXXX ) to notify them about the delivery issue and they instructed me to contact the merchant to open a claim about the package. I reached out to the merchant for help, but they were immediately dismissive, therefore I opened a dispute with Goldman Sachs. Goldman Sachs refused to investigate the matter properly, even though the dispute was reopened numerous times. I requested evidence as to why the amount was re billed, but there was no evidence of any sort of an investigation that was done. The " evidence '' I received consisted of a screenshot of the tracking information and a screenshot of the confirmation email, neither of which addresses the reason for the dispute. I requested the dispute to be reinvestigated over and over again with absolutely nothing being done. At the current state this dispute has still been unresolved after over 2 years, which is quite ridiculous and unheard of. I requested the dispute to be reopened 5 times since it was last re billed in XXXX and was informed that it has been reopened, but that hasn't been the case. When asked why Goldman Sachs is refusing to reopen it, I was told that it has been reopened so many times that unless there is new documentation, it won't be opened anymore. This is despite no evidence of any serious investigation into this matter over the extensive timeframe. The representative I spoke to instructed me to open a police dispute regarding this matter to reopen the dispute and change the outcome which I have done. However, since this point the dispute has not been successfully reopened despite claims for multiple agents of the opposite. I have not been able to submit the new documentation relating the the matter that was requested by a support agent and the dispute remains unresolved without any investigation. If this is not resolved in a timely matter, due to the timeframe that has already passed, I will have to seek legal options through an attorney.
Consumer complaint received 2024-06-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Data Mortgage Inc. (VA)

I received a call on XX/XX/24 at XXXX est. after authenticating I advised the agent I was in a rush and needed to expedite the process with setting the payment up. I was advised I could not set up a payment unless was between XXXX and XXXX of the month. I advised the agent I wanted to set the payment up for Saturday XXXX XXXX, she advised me that she would have to call me back on Saturday and put my information in her notebook. I would like to know why is my or anyone else information is being written down to be contacted at a later date. I requested a supervisor callback as I waited for XXXX minutes only to be advised no one is available.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (VI)

I have a bank account with citi bank and everything was fine, I received a deposit of {$460000.00} back in XX/XX/2021 afterwards I tried to make a transfer from my account and I couldn't, I tried to reach out to citi bank countless times but they kept referring me around in a loop. I even went to a branch and was told to call ( which made no sense to ). I have been in constant struggle back and forth. 

XXXX weeks ago I called and the customer service said the account was locked. All the while citi hasn't done anything to help, more like they don't want to give me back my money.
Consumer complaint received 2023-11-07
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: WELLS FARGO & COMPANY (NY)

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX and WELLS FARGO DEALER SVC XXXX
Consumer complaint received 2024-06-04
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX5 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 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 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank (CA)

The account was closed and the debt was charged off; requested the company to provide XXXX. The company did not response. The 1st contact attempt was sent out on XX/XX/year> and 2nd request is sent out on XX/XX/year>.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Complaint : In accordance with the Fair Credit Reporting Act, I am writing to address several issues concerning the accuracy of information on my credit report. The following accounts have validated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Action Requested : Reinvestigate the completeness of every piece of information and remove any inaccuracies from my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Action Requested : Reinvestigate the completeness of every piece of information and remove any inaccuracies from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Action Requested : Reinvestigate the completeness of every piece of information and remove any inaccuracies from my credit report. 

DEPARTMENT OF EDXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( two entries ) XXXX ( duplicate entry ) Action Requested : Reinvestigate the completeness of every piece of information and remove any inaccuracies from my credit report. 
Legal Basis for Complaint : 15 USC 1681 Section 602A : Protects my right to privacy. 
15 USC 1681 Section 604 ( 2 ) : States that a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681c ( a ) ( 5 ) : No consumer reporting agency may include adverse items of information that are over seven years old, except records of convictions of crimes. 
15 USC 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate. 
15 USC 1681i ( 5 ) : Requires the treatment of inaccurate or unverifiable information by deleting or modifying the item and notifying the furnisher of the information. 
15 USC 1681s-2 : Prohibits furnishing 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. 

Resolution Sought : I request that you reinvestigate the completeness of every piece of information related to the aforementioned accounts. If any information is found to be inaccurate, I request its immediate removal from my credit report. Please ensure compliance with the outlined sections of the Fair Credit Reporting Act and notify me of the actions taken to rectify these issues. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. I have attached a copy of my filed police report and FTC report. I have never did any business or obtained any credit with XXXX Transunion is the only credit bureau that is reporting this debt, Transunion needs to follow suit and remove as this was found to be falsely reporting. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-26
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. (DC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.