davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (OH)

On Sunday XX/XX/XXXX, I initiated a $ XXXX transfer from my savings Account held with Marcus by Goldman Sachs to my Chase account so I could put a deposit on a home I have an offer on. 

I called in on Monday XX/XX/XXXX to request an expedite of transfer, or an escrow transfer to the Sellers Escrow for the home. Both of these were denied, the escrow transfer was denied without any explanation. 3 representatives of Goldman Sachs indicated that they were not allowed to provide insight into why I was ineligible for an escrow transfer. 

On XX/XX/XXXX, I found out my transfer was reversed. After speaking to 3 representatives and 3 supervisors, I received 3 different responses. The first indicated that it was reversed by the receiving bank reversed the transaction. The second indicated that while they were not sure why, they guaranteed it was not initiated by Marcus - Goldman Sachs. The third confirmed that there was a security exception that was triggered Goldman Sachs by their security team. The rationale was that a recent transfer of $ XXXX flagged a " fast funds movement '' action, which was then declined. This is also odd, as my account held over $ XXXX, which was more than sufficient to still accommodate the transfer of $ XXXX. 

I'm at risk of breaching my home purchase contract as a result of this delay on the part of Marcus by Goldman Sachs, and I'm likely to lose out on my home purchase as a result. 

Agents Spoken to who hung up the call when questioned XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX ( supervisor ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( last and likely most helpful ).
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (GA)

On or about XX/XX/year> I initiated a electronic funds transfer through the Chime app for the amount of {$700.00}. These funds were to be transfered from my XXXX checking account to my Chime account. The reason for this transfer was due to my XXXXXXXX XXXX account and debit card information being compromised and bad actors had used my account information to fraudulently purchase various items. I frankly needed to get my money out of my XXXX account. On XX/XX/year> I had my VA XXXX compensation direct deposit post to my XXXX account. I called XXXX that morning and at the recommendation of Ally I decided to initiate a EFT from XXXX XXXX to Chime in the amount of {$3500.00} and to close my XXXX XXXX account. By doing the XXXX at that moment it would immediately pull the money from my account so no bad actors could access it. On XX/XX/year> I received notification from XXXX that the transfer was complete and my XXXXXXXX XXXX acouunts were closed. Once the {$3500.00} appeared in my Chime account there was a hold placed on my funds. I immediately called Chime to find out what was going on and to explain what was going on. I was told to submit a photo ID and a most recent bank statement. I submitted that twice. Then, I was told to submit a copy of front and back of ID, provide a most recent bank statement that included the {$700.00} rejected transaction. 

I spoke to XXXX XXXX  and was told that the account was closed and there is no {$700.00} transaction. I explained that to Chime and then Chime changed for a third time the documents they required. Now it was the ID, a most recent bank statement and " if available '' a letter from XXXXXXXX XXXX explaining why the {$700.00} transfer was rejected. XXXX told me and I explained to Chime that there is no such letter that Chime is able to provide. Again, Chime changed what documents they required and requested a ID, most recent bank statement, and a letter from XXXX stating the account ending in XXXX was closed. I provided all that to Chime but Chime again emails me new required documents and it includes : " 1. New photos of the front and back of an unexpired government 2. New statement for your XXXX Bank account ending in [ XXXX ] and, if available, a letter from the bank explaining why the recent transfer was returned unpaid. '' I have provided the photo ID and the newest bank statement for account XXXX a total of 7 times. The letter from the bank is " if available '' and it is not because XXXX doesn't provide that type of correspondence. When talking to a Chime supervisor I attempted to merge a call with XXXX XXXX so we can get a resolution and Chime abruptly hung up the phone. I need my money to pay my bills.
Consumer complaint received 2023-05-15
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: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXXXXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. XXXX USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is XXXX, XXXX, XXXX, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/year> I opened a Wyndham Rewards earner+ Visa credit card with issued by Barclays . During application process I specified my existing Wyndham Rewards member number in application.

I was approved and received the card. 

Upon receiving the card I learned that it doesn't have member number printed on it. Barclays online web page used to manage the account also states that I'm not enrolled in Rewards & Benefits. And there's no Wyndham member number associated with my credit card.

I have contacted Barclays multiple times about this. Initially their response was to wait 30 days. But when nothing happened after 30 days, their subsequent responses were to instead contact Wyndham. Contacting Wyndham did not resolve this issue as they are pointing fingers at Barclays.

My credit card statement has this disclaimer : " Please note, the total number of Points earned and sent to Wyndham is dependent on a valid member number. Please confirm you have a valid member number on file with Wyndham. If not, Points may not be viewable or available for use with Wyndham. '' With credit card statement all my points are zeroed out on Barclays end and since I don't have Wyndham member number linked they essentially disappear.
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank (FL)

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX XXXX XXXX  I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it. )
Consumer complaint received 2024-08-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (LA)

On XX/XX/XXXX of 2024 I was fraudulently " hired '' by scammers posing as a company called XXXX, which is a real talent acquisition firm. I was " hired '' to be a XXXX XXXX for them. I was given an extensive text interview on XXXXXXXX XXXX and even sent to a skills assessment website. The next day I was told on XXXX  that I was hired. I was sent an offer letter to sign, as well as a XXXX and direct deposit information and instructions to upload my drivers license. So they had my ssn, bank account information, and drivers license. I was then sent a XXXX of a check to deposit to my account and XXXX the money to a XXXX party vendor for computer supplies to be delivered to me the following week. I XXXX three payments totalling {$2100.00}. The check was returned NSF AND my bank, Regions Bank, will not refund me my money. 

I have filed a report with the local police, and contacted the FBI, FTC, IRS, and social security. I also closed my bank account and put a freeze on my credit with all 3 reporting bureaus. I locked my ssn with the department of homeland security. 

I need Regions to refund my money, because I am underemployed and don't know how we're going to be able to pay our bills this month. I am job hunting as fast as I can and XXXX XXXX XXXX XXXX to try and make the money. Please, please help us to get Regions to refund me my money.
Consumer complaint received 2018-07-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pressler & Pressler, LLP (NJ)

I received a civil complaint from XXXX XXXX XXXX of Pressler and Pressler seeking money from an account I have no knowledge of. I do not have an account they are speaking of
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

LVNV Funding LLC has continuously tried to collect on fraudulent debt even after being notified and receiving FTC fraud reports and documentation to prove the debt is fraudulent. Now they have sold ( knowingly ) this fraudulent debt after being provided all of the documentation required by law. The response from LVNV last complaint logged with the CFPB about this stated that i should file a report with the FTC for identity theft. They had already received this report at this 2 times at the time they wrote the letter. I have attached it for a 3rd time to ensure they receive it. their bogus reply is also attached. I have sent them ( 3 times ) a copy of the FTC identity theft report but as of XX/XX/year> they are still trying to Illegally collect this debt. LVNV continually harasses me about his debt, and refuses to accept the Identity Theft Reports from The FTC. I received yet another letter in the mail on XX/XX/year> after i specifically sent them a cease and desist letter. I am asking that the CFPB launch a thorough investigation into this company and their collection practices and blatant violations of the law. A hard copy of the Identity theft report has been sent to LVNV, and it was sent with delivery confirmation. LVNV received this but continues to try to collect the fraudulent debt and has even been so bold as to state that they will continue to do so regardless of the law and will not stop until i give them the money for the fraudulent debt. I will not pay, the debt is not mine, and furthermore if the CFPB fails to act i will take legal action. LVNV now has another one of its shady companies trying to collect this debt and sending me mail now. the company is XXXX XXXX XXXX XXXX which is a subsidiary or resurgent capital/ LVNV. I have all documentation to provide the CFPB to prove the fact that what i have stated is fact. 
FTC report # XXXX ( identity theft.org ) -LVNV is directly named in this report. A hard copy was once again sent on XX/XX/XXXX with signature confirmation. ( 3rd time )
Consumer complaint received 2024-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I am writing to formally lodge a complaint regarding the mishandling and conflicting information pertaining to the discharge of my loans under the Borrower Defense ( BD ) program. Since XXXX, I have diligently communicated with MOHELA, the Federal Student Aid ( FSA ) office, and the Borrower Defense Help Line regarding the status of my loan discharge. FSA has assured me that all relevant information concerning the discharge has been forwarded to MOHELA. However, MOHELA consistently denies receipt of this information, stating that they are unable to act until they receive it. Despite my repeated inquiries to both FSA and the Borrower Defense Help Line, I have been assured that the information was sent and instructed to allow additional time for processing. 

Despite this, in XXXX, I received a letter from MOHELA stating that none of my loans would be discharged, directly contradicting prior communications from the Department of Education and assurances from FSA and Borrower Defense. Furthermore, I have already received refunds for prior payments on these loans, which suggests that the loans have been discharged. This refund further contradicts MOHELA 's assertion that they do not have the necessary information to proceed with the discharge. 

These discrepanciesMOHELA 's contradictory statements and the refund for payments madedemonstrate a serious failure in communication and processing. My previous complaint to MOHELA about this issue was inadequately addressed with a response stating they lacked information on my BD case. Such a response is wholly unsatisfactory and fails to resolve the ongoing issue. 

I insist on a thorough review of my case and expect a prompt and clear resolution.
Consumer complaint received 2023-07-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (FL)

I was scammed buying a friend of mine who sent me roughly {$1500.00}, that was already supposed to be his tuition for school. A few weeks later this friend moves out of state and reports to PayPal that I sold him a bad product when I never sold him anything. I just made him he disputed most of the transactions with PayPal and to get the money back which PayPal charge me for this and took my money as well the whole {$1500.00} on top of that, that left me with only {$240.00} which has now gone down to {$210.00} which PayPal has placed on 180-day hold and permanently limited my account. I brought this to PayPal 's attention and I still am being punished to show the person who should be punished and the person that is at fault the top of that they're refusing to release my funds to me so they can fully close out my account just want my money I want all {$1500.00} of it but hey I'll be happy with my {$240.00} that I got left with. How did that {$1500.00} {$500.00} of that was mine and that was before any money got sent to me.
Consumer complaint received 2024-08-01
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

Took a debt that was owed during XXXX my landlord I had an agreement that I was affected by XXXX and I had to fill out paper that I was affected by XXXX. My man got Covid Everybody that was affected by XXXX in the complex. I moved out in XX/XX/year> with owing only one month or month and something my rent was XXXX and I owed XXXX something XXXX something XXXX. When I attempted to pay the debt that manager had been fired because he was doing illegal debts, he was cute. He mustve put an illegal debt on me. He turned me in after three and he then said I could still give him the XXXX to settle the debt even though they were already coming for me or XXXX is already coming for me. I never ever owed {$6000.00} and thats an other lie. Thats totally lie not true all the way around a bold face lie. I owed XXXX something to my landlord during XXXX during XXXX. I lost my job. All of Maryland was affect that was affected by XXXX got to get XXXX funds that building got XXXX. They literally got the {$3000.00} buy from the government. I dont the landlord I called them the other day what is that and they said they never sold it to XXXX is collecting illegal debt and they need to be held accountable. I never got XXXX. I dont owe XXXX and its been on my credit for since 2020 damaging my credit over a false fake report its not real my landlord got the money so I never owed my landlord. They need to come off my credit. Im reporting them then Im giving them this last chance Im coming to you guys before I sue them in the law for damages to my credit, the {$6000.00} among the things that theyve done harassing me Im telling me youre gon na take me to court. I dont pay you all the things that are illegal by a debt collector. Call me sending me letters that are fake and not sending the original contract. They sent me a fake contract and never could give me the original receipts of what actually paid. I need to see all the receipts that I actually paid because my landlord had all that, but they cant give it because they never got this landlord never got this debt from my landlord, they get their debt from the website to people that debts and everybodys going through it lying about the debts affected by XXXX XXXX in 2020 got XXXX so they should not be collecting anybodys rent in 2020 no no no thats illegal unless they can prove that they werent affected by XXXX but they cant cause I was thank you so you come up my credit
Consumer complaint received 2024-07-26
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. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 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 2024-08-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (FL)

This is regarding a response to my CFP complaint filed in XXXX, wherein the credit collector continued the pattern of lying. 1- The offer to allow me to pay affordable payments was made over the phone, and the agreement was entered into over the phone, and recorded. The alleged letter ( attached ) is something Ive never seen until now. 2- Neither the letter nor the actual agreement prohibited my paying more each month. By paying a large lump sum, I did not go outside of any any term or condition. 3- The recording would also prove that they agreed to no negative credit reporting if I paid on time.

4- The lump sum caused the account to be paid in full, and they stopped pre-authorized monthly debits, of their own accord, based upon their own records. 

As to TD Bank, I indicated last week that I was willing to pay the mysteriously appearing {$100.00}, if they could prove to me that there had been a mistake, even though it would have been their mistake and not mine. My offer was refused. 

I was also refused, by TD, copies of documents and communications between us including statements. I was told that the communications we had with each other were theirs and proprietary, even my statements! 

Both of these companies are hiding the truth.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX has violate my rights 15 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.