davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (IL)

I am writing to formally dispute late payments on my credit report regarding my XXXX XXXX XXXX credit card account. I made a purchase towards the end of XX/XX/year> and subsequently paid the full balance of {$85.00} on XX/XX/year> according to the account balance. I highlighted the account balance in the attachment " Dispute Report '' and have also attached my bank statement " XXXX XXXX '' showing payment was made. However, in XX/XX/year>, I received an email claiming I still owed a balance, specifically for the months of XXXX, XXXX, and XXXX. 

Upon contacting the customer service number provided ( XXXX ), I was informed by a representative that despite my payment being acknowledged, I allegedly owed an additional {$120.00} due to accrued interest and late fees. This was the first notification I received regarding any outstanding balance, which I find concerning given the delayed communication until XX/XX/year>. 

After a prolonged discussion, the representative agreed that I only needed to pay {$10.00} to settle the supposed balance, and assured me that the delinquency would be removed from my credit report. I promptly paid this amount on XX/XX/year> ( XXXX Statement 2 showing 2nd payment ). Unfortunately, a week later, I received another email stating a new balance on the account. 

Upon contacting customer service again, I reiterated the previous agreement and was told to pay an additional {$1.00} to supposedly close the account and remove the delinquency from my credit report on XX/XX/year> ( XXXX Statement 2 showing 3rd payment ). Despite adhering to these terms and closing the account, the late payments remain on my credit report, adversely affecting my credit score. 

I have diligently attempted to dispute this issue through official channels and have gotten absolutely nowhere. 

I kindly request your assistance in resolving this matter. Please find attached relevant documentation supporting my claims.
Consumer complaint received 2024-06-29
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 bought some pens from XXXX using my Apple Card by Mastercard. It came to a total of {$250.00} shipped. Ive bought this item before and had success. When the pens arrived half of them were in substandard condition unlike the other half. I tried to get a refund from XXXX and even disputed it on there, but I was unsuccessful. So I disputed it with Goldman Sachs, and I was unsuccessful with them helping for around 4-5 times. After this I came here to dispute as a last resort.
Consumer complaint received 2024-06-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (OK)

On XX/XX/year> I was notified via email from XXXX that they detected a Major Derogatory Account from PHOENIX FINANCIAL SERV. I have no knowledge of who this company is or any information about the alleged debt because this is not my debt. I have sent out a debt validation letter certified mail to XXXX to verify this alleged debt.
Consumer complaint received 2024-07-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (GA)

I have XXXX XXXX loans with Navient. Both are private student loans. Loan # 1 ending in XXXX issued on XX/XX/XXXX and loan # 2 ending in XXXX issued on XX/XX/XXXX. Both loans were issued to XXXX XXXX XXXX XXXX now named XXXX XXXX. XXXX has been listed as a for profit school that has been deemed by the court of law as operating under misconduct. Due to that judgement the courts have awarded the victimized students of predatory lending the discharge of their student loans. ( Both federal and private ) I have contacted Navient on XXXX occasions XX/XX/XXXX and XX/XX/XXXX. I received an application for loan discharge due to school misconduct after multiple attempts. My school misled me about my likelihood of obtaining a job, misrepresented its job placement rates and my likely earnings after graduation. I've submitted all of the required information and received notification on Sunday, XX/XX/XXXX that my request for private loan discharge was denied. I've contacted Navient on XXXX occasions Tuesday XX/XX/XXXX, Wednesday XX/XX/XXXX and Tuesday XX/XX/XXXX at XXXX XXXX to request an appeal for loan ending in XXXX. They have continued to send me the denial letter in lieu of information on how to file an appeal. Navient has not responded appropriately or responded to my voicemail. Please help!
Consumer complaint received 2024-06-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (MD)

Since XX/XX/scrub> 2024, I have been trying to cancel this loan and be refunded due to XXXX XXXX XXXX falsely advertising the services the company provided for music funding. I have been bounced around between the vendor and Affirm with " who '' needs to cancel the loan and refund the money back to Affirm. After speaking with a Consumer attorney, I have been informed that this situation appears to be a scam that Affirm.com is working with the vendor, XXXX XXXX XXXX where customers will get frustrated and just let the loan payoff. 

However, I refuse to do that and am DEMANDING a conference call with BOTH parties to finally resolve this issue and be refunded the money that has been debited from my account. This is fraud and if the conference call does not happen by the end of XXXX, a civil suit will be filed against both parties with documentation of all of my communications to the companies and the lack of response or proper service to the customer.
Consumer complaint received 2024-07-09
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 (TX)

On Friday XX/XX/XXXX, I went to XXXX XXXX to inquire about a XXXX XXXX XXXX. My plan was to use my existing car loan offer from my personal bank at XXXX. Upon meeting with XXXX XXXX, I discovered my loan offer at XXXX was not great enough to cover the expense of the car. I agreed to allow them to run my credit XXXX time with the bank they use for car loans. XXXX XXXX ran my credit XXXX times totaling XXXX hard inquires on my credit. This is fraudulent. I never agreed to the hard inquires involving : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX. The only authorized inquiry should have been from XXXX XXXX XXXX Finally, what is the most criminal about this entire experience is that XXXX XXXX was selling me an insufficient vehicle that required a new transmission. Yet, they knowingly tried to sell me the car thousands of dollars above its value, thus why I got denied for the loan from all these banks, because the car was red-flagged. I sincerely hope to receive help for these hard inquires. Thank you for the consideration.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (TX)

I notice that there are late payments being displayed on my credit report on XXXX, XXXX, and XXXX. According to Law FRCA section 605B, it is illegal to report information on my credit report without my permission.
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CA)

This is an official grievance against JPMorgan Chase & Co. situated in XXXX XXXX XXXX XXXX XXXX, NY XXXX. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and has resulted in me much unwanted financial AND mental distress. For starters, they're reporting a flawed & unverifiable account on my credit document and in addition an account in which I've called for substantiation of claim and in which they have not been able to present, per the FCRA. Regardless of my goals to resolve this unpleasant nightmare for a number of months now, JPMorgan Chase & Co has entirely ignored my interactions and legal submissions to delete this incorrect information from my credit document. I am well aware of the many, various other issues filed towards this company for their illegal and shady business. Below is the account I had Disputed earlier : CHASE CARD, Account # XXXX, Date Opened XX/XX/2014. 
Yet still, in some way, this company is still in business. This company 's unprofessional & negligent habits has made lots of extreme harm, not only to my ability to establish credit & good interest rates, but also to my persona as a Professional and as a person. Please help me, and the countless other consumers just like me, to put a stop to the performance of these dishonest & immoral business techniques asap. I genuinely respect your time and service in this matter and hope to hear from you very soon. I am attaching the relevant document as proof and my small claims form ready to file a court case against them should they fail to comply
Consumer complaint received 2024-06-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I was XXXX  when I got this loan on a car and the interest rate is beyond high I owe like XXXX in interest a week after having car it broke down, and I continue to have problems. Would like interest rate lowered so I can pay off loan and move on
Consumer complaint received 2024-06-29
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: LEXISNEXIS (NY)

I submitted to have items blocked on my report. 
The Regulations dictate specific time frames within which consumer reporting agencies must respond after receiving a request for blocking 4 business days Block the reporting of any adverse item of information identified by the consumer 5 business days Notify a consumer if additional information is necessary for the purpose of completing the submission and attempt to resolve any deficiency in the consumer 's submission I have not receive anything and the items are not blocked. This is in violation section 605C of the Fair Credit Reporting Act for human trafficking survivors.
Consumer complaint received 2024-06-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MA)

I was recently scammed during a real estate closing process, and sent XXXX wire in total from my bank accounts ( Chase, XXXX XXXX, and XXXX XXXX XXXX  ) to a scammer 's account at XXXX XXXX. XXXX  has confirmed that the money is gone. I started recall process at Chase, XXXX XXXX, and XXXX XXXX XXXX  separately at the same time, and so far I have successfully received XXXX refunds from XXXX after signing the XXXX XXXX XXXX at XXXX XXXX and XXXX XXXX XXXX. The only transition that is still not retrieved is the one that I sent from Chase, which is XXXX. Chase claimed repeatedly that they sent out the XXXX XXXX XXXX on XX/XX/year>, but I was able to confirm with the agent at XXXX in written form that they have never received the XXXX XXXX XXXX from Chase. I have never signed the XXXX XXXX XXXX at Chase, neither. I then contacted the wire research team at Chase, and they insisted that XXXX has to initiate and send Chase the form to sign ; however, since I am not a XXXX  customer and it is not in XXXX  interest to refund, XXXX has also insisted me to ask Chase to contact them for details to sign the XXXX XXXX XXXX. Chase has been giving me inconsistent updates and their lying and lack of action in this situation is potentially delaying the process and jeopardizing the XXXX that I could have gotten back XXXX ago. I am formally demanding Chase to have me sign and then send XXXX the XXXX XXXX XXXX as soon as possible to stop further delaying this process, otherwise I would seek legal support for their negligence.
Consumer complaint received 2024-06-29
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: CL Holdings LLC (TX)

On XXXX XXXX I received communication from a company by the name of XXXX stating they owned this debt and were collecting. On XX/XX/year> I disputed this account on my credit Due to it showing a Jefferson capital listed and not XXXX who contacted me. XXXX and XXXX as well as Jefferson capital responded with it meet FCRA and would remain reported.
Consumer complaint received 2024-06-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paypal Holdings, Inc (VA)

XXXXXXXX XXXX, a paypal associate has a debt against me. My credit was impacted negatively. I have been trying for months to link my bank account with no success. I always received error messages. There is no other way to pay, and is because of {$4.00}. I continue to receive error messages and paypal customer service is horrible. If I can link my bank account, I cant pay. I tried with XXXX different banks and it still gives me the same error messages. This is an issue on paypal and paypal alone. I want the negative items remove from my credit report.
Consumer complaint received 2024-06-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

I received a bill from Chase for an account I do not have. ( Image attached. ) I wrote to Chase and called, and spoke with XXXX representatives, but was unable to get any information regarding this bill. ( The phone representatives said they could not locate the account. ) I am fearful that this unpaid charge will be reported to credit agencies and harm my credit scorXXXX ( a valid concern any consumer would have, but also one I personally expressed in my previous CFPB complaint about Chase ) and perhaps also be referred to a debt collector. My concerns are ongoing because nobody at Chase was able to locate and remove the charge. I believe this erroneous charge is the result of Chase 's gross negligence in handling consumer data, as illustrated in the herculean efforts it took me last year to get Chase to close my empty accounts and delete my data.
Consumer complaint received 2024-06-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (AZ)

XX/XX/XXXX a fake company called XXXX illegally took {$1400.00} from my Money Lion account using my virtual debit card. Somehow XXXX was able to change the phone number on my Money Lion account and access my account, even though Money Lion flagged the transaction as suspicious and per the app they stated that the charge was declined that was not true. I called Money Lion right away to report that I did not authorize my phone number being changed and I didn't authorize the charge either, Money Lion still authorized the charge. I have been fighting to get my money refunded since XX/XX/XXXX. I have submitted a police report, Identity theft report and also reported to the federal government cyber crimes of this illegal activity and Money Lion has denied my dispute 2 times telling me that there was no error and now with the XXXX submission, has still not given me at least a provisional credit. This has caused my family and I to be served with an eviction notice due to not being able to pay my rent because of Money Lion 's lack of processing my dispute properly from the beginning. I am really trying to understand how this happened without my authorization and how Money Lion can deny a dispute multiple times even though they flagged the transaction as suspicious as well as knowing I did not authorize any updates to my account. I now feel like there may be someone within Money Lion conspiring with the illegal merchant in order to fraud customers out of their money and or Money Lion just does not want to be held responsible for authorizing fraudulent activity. I need help with getting my {$1400.00} back. 

Thank you.
Consumer complaint received 2024-06-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (CA)

This spammer has called me 10+ times in the last month. I have not answered the calls, but they always leave the same voicemail message and not always the same call back number. Here is the script, XXXX this is XXXX XXXX calling from Harrison Harris Limited please contact me or any of our representatives at [ phone number ]. The phone numbers I have received this voicemail message from so far are XXXX and XXXX. 
I checked out the website for the company stated ( Harris & Harris Ltd. ) and it is a real collection agency. The phone numbers I'm receiving the calls from though, do not appear connected to this company. The call back numbers they provided are not the same as the website, nor are they even remotely similar to the genuine companys posted phone numbers. Additionally, there are many internet discussion boards with people claiming to experience the same thing with the exact same script, but using other phone numbers.
Consumer complaint received 2024-06-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (AL)

I applied for a payment deferment, and they were late uploading the document for me to fill out an upload. The document was uploaded a XXXX weeks after the initial call for the deferment. I received a notification that I was delinquent which is false.
Consumer complaint received 2024-08-19
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MN)

I had a high yield savings account ( XXXX ) with Goldman Sachs with about $ XXXX in it. I wanted to make it a joint account with my wife but I wasnt able to. I had to instead open a new account as a joint account, then transfer funds from the old account to the new joint one. I did that, the new account XXXX was set up. Then my wife and I set up a second XXXX savings account XXXX for her savings. We transferred her savings into that ( $ XXXX ). 

Around this same time we were moving into my wifes parents place so we changed the address on the accounts to the new one. 

Well, pretty soon neither of us were able to make transfers between accounts and suddenly today I was told I was completely locked out of my account. 

I called Marcus customer service as I was instructed to do and after a long time I was able to surmise that they thought the new accounts were made fraudulently and they were issuing our money back to the funding sources. I was told this may mean we will receive our money back in the mail but I have yet to receive this check. My wifes funding source would have been her XXXX XXXX account and she too does not have the money yet. 

When I asked why this was happening, they told me they could not reveal that to me for privacy reasons. I got the impression they thought I was fraudulently trying to access my own account.
Consumer complaint received 2024-06-29
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: General Motors Financial Company, Inc. (TN)

I tried multiple times to get the automatic withdraw/ payment set up with no success. I explained that Im not very tech savvy and that they would have someone help me through the process. They never called to help or even acknowledge that I tried multiple times to do so. I was treated like I have never made a payment. They even threatened that if I couldnt pay they could come repossess the vehicle. I havent missed a payment in many many years and to have them treat me like I didnt matter was and is extremely painful. Ive worked so hard to keep everything current.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

I never was late in XXXX and XX/XX/2023 ACCOUNT XXXX XXXX XXXX XXXX XXXX per 15 USC 1681i ( 5 ) I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding the late account reporting on my credit report for the months of XXXX and XX/XX/2023. Pursuant to the Fair Credit Reporting Act ( FCRA ), I believe that this reporting violates my rights under 15 USC 1681i ( 5 ). I have reviewed my credit report, and it has come to my attention that the above-mentioned creditor has reported my account as late for the months of XXXX, XXXX, and XX/XX/2023. However, I would like to assert that this reporting is inaccurate and is adversely affecting my creditworthiness and financial standing. Under 15 USC 1681i ( 5 ) of the FCRA, I have the right to dispute any inaccurate information that is being reported by a credit reporting agency. I am hereby requesting an investigation into the accuracy of the late account reporting for XXXX and XX/XX/2023. My reasons for disputing this information are as follows : I kindly request that you conduct a thorough investigation into this matter as soon as possible and make the necessary corrections to my credit report if it is determined that the late account reporting is indeed inaccurate. Additionally, I request that you inform me of the results of your investigation in writing and provide me with a copy of my updated credit report once the necessary corrections have been made. Please consider this letter as a formal request to initiate the dispute process under 15 USC 1681i ( 5 ). I understand that you have 5 days to complete your investigation, and I look forward to a prompt resolution of this matter. Thank you for your attention to this dispute. I am hopeful that the CFPB will help ensure the accuracy of my credit report and protect my rights under the FCRA.