davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (FL)

I attended a free trial class on XX/XX/23 at XXXX am and was brought to the side to discuss signing up for recurring paid classes. I signed up without my husband there to discuss further. Their no refunds for unused classes was explained to me under the impression, and rightfully so as it is actually under their missed classes/make up classes section of the agreement, that there are no refunds for any missed/unused classes that are not rescheduled. A few hours later after leaving at XXXX pm and getting home at XXXX pm I called and texted to discuss canceling the program altogether and a refund as no services will be rendered. They tried to say that the no refunds on unused classes applies in this case even though it shouldn't for many reasons, mainly XXXX being XXXX 3 day cooling off period rule AND that it was only an hour or so after signing AND that I have not received any services yet or wanted to after considering it further. After explaining this all in person, they then provided me with a paperwork that I was not aware of XXXX signed myself that stated a no refund policy at all! It even says " telephone order '' on the signature section of this document where I was supposed to sign but DIDN'T. This was NEVER explained, brought up, signed, or discussed with me. I feel like this is grounds for a refund in all senses but also a change in their policy or procedures for this paperwork to be read, visible, and signed by buyers so they can not fall into it like I did. So I proceeded to file a chargeback/dispute with my credit card XXXX and they stated I didnt cancel prior to the processing date although the processing date was XX/XX/23 at XXXX am and I canceled same day, a few hours after at XXXX pm. This did not make sense to me. XXXX ( the merchant ) has kept the cancellation paperwork which showcases I signed same day to cancel and after attempting to retrieve it they have not provided me it. I asked the bank for dispute resolution evidence that made them side with the merchant and they have not provided me it.
Consumer complaint received 2024-02-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: States Recovery Systems, Inc. (CA)

XX/XX/XXXX XXXX XXXX XXXX States Recovery Systems called my place of employment asking to speak with the payroll manager in regards to a garnishment. 
My coworker told XXXX all communication needed to be emailed. 
XXXX proceeds to tell my coworker who the debt is regarding, how much they owe, when the last payment was- all private information. 
My coworker did not want to get involved. Again, asked her to send the info via email. 
XXXX refused and told her to give me the message. 
When I called into the office, she said she could leave that information because it was public record. 
I looked up the account and I see 2 active collections I knew nothing about. both have XXXX principal and enormous interest balances only. 
I have never been contacted via mail with any notice that I owed these debts. 
And I do not want any collection agency calling my place of employment speaking to people that I manage in regards to any of my personal business. 
I found XXXX accounts with my name on them : # 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  in interest only
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

My business checking account wirh Truist Bank was placed on hold the day after I made a check deposit and once the bank sure they received funds for the amount of {$10000.00}. When asked for the reason u was informed by branch manager it was because check was suspicious for check Fraud and that is was not a valid check. When asked about my balance for my account today XXXX/24, they informed me it was negative {$200.00} however when i was informed by Triust bank yesterday XXXX/24 i was informed that my account has positive balance and that they are manipulating the front end system to show a balance that is not accurate. 

I also wanted to note this is a new business checking account and account has been opened for less than a month with several transactions such as deposits, withdrawals and transfers made with no issues with account until i made that deposit for $ XXXX. I also found out that my debit card was blocked the day.my account was opened and I was neither informed and had to find out myself when account was closed. I suspect the bank intended to Block my account since day it was opened ( debit card was blocked since account was created and opened, account was put on hold and proven due to check fraud has no evidence or basis. ) 2. Truist bank is manipulating and inaccurately reporting funds and available balance in their front end system.
Consumer complaint received 2024-04-27
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. (TX)

I DO NOT consent to any automated scan response or XXXX XXXXXXXX verification methods. 

I reached out to all three credit bureaus XXXX, XXXX, and Equifax to dispute incorrect reports provided by XXXX XXXX XXXX. XXXX XXXX showed several discrepancies between the XXXX reporting agencies : XXXX and equifax continue to report different balances than XXXX. Has missing, incomplete and inaccurate data reported for several months. All Burueas continue to report missing, incomplete and inaccurate data reported monthly. There are several months missing whole data and information. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I requested your credit bureau to initiate an investigation and to validate this information. This information was not validated. This information has greatly impacted my ability to qualify for other opportunities and I have been denied opportunities. 

I requested the following information from you : The amount you claim owed. IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge. Full accounting ledger. All legal documents. An explanation showing me how you have computed the amount. Copies of any documents that prove I agreed to pay the alleged amount. The identity of the original creditor. Confirmation that the account has not crossed the statute of limitation ( SOL ) period. Evidence that you are a licensed debt collector. An invoice of the products/services ordered. Dates of products/services being rendered. The address the products/services were rendered to. My signature showing that these products/services were authorized by me My signature showing some kind of authorized payment schedule I was not provided this information as requested, and per law.
Consumer complaint received 2024-02-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (DE)

I was contacted by this company several times in XXXX, stating that I had an old debt through a company I had not heard of. I asked for Debt Validation and Verification of Debt, I was told they weren't not required to provide and that if I didn't setup payments today they had a certified letter ready to go out in my name to my home to take me to court. I stated that I was happy to setup payments to handle a debt if the debt was valid and mine but I needed a Debt Validation and my law, they are required to provide one. They became extremely nasty, XXXX XXXX and a manager by the name of XXXX. 

I then stated I was calling the original creditor they noted to try and find debt validation, they got even more rude and nasty. I hung up, called them and that company stated I didn't owe a debt to them and didn't have an account with them in the past. I called the other company back who stated they could close my file once I told them this information. However today, XX/XX/XXXX, they have started calling me again, stating a letter will come to my home or place of employed to take me to court. Once again, they are refusing to provide a Debt Validation or Verification of Debt for me to verify once and for all if this debt is valid and mine.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Account was closed by Bank of America for no reason and my safety deposit box fee was not refunded back to me. Bank of America XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-26
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

Here is what happened. : I had been paid by EDD {$1800.00}. On XX/XX/XXXX I requested a transfer into my personal checking through my mobile app. I inputted my banks routing # XXXX and acct XXXX XXXXXXXX. It said it would take 2-3 business days to receive those funds. On XX/XX/XXXX I checked my account and no funds had been received. I checked my money network account and realized the account # I typed was incorrect. I basically typed the 1st number wrong. I did a dispute on the XXXX with the money network dispute department and filed it. That dispute was denied and I do not know for what reason. I have checked with my bank through phone and in person and they have verbally confirmed that the original account # I inputted does not exist. There is nothing in writing they can provide to prove that either. They said that the money network should eventually receive those funds back as that account does not exist and even if existed if the name is not matching from the original transfer then it would be denied. I have been calling back and forth the money network and checking back and forth the status of my bank account and nothing. I am trying to resolve this in a very timely manner. This back and forth battle with the money network has been going on for almost a month. I have done everything in my part to help my case and show that there is money missing that is not being released to me. I have given up on calling because i always talk to a customer service rep and when i ask to talk to a higher level person, they transfer me to escalations and all they do is basically tell me that XXXX received my money and thewy wont release the information on how they came about that decision.
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (TX)

There was an unauthorized charge on my account from a social media company called XXXX in the amount of some {$620.00} or so. I called my Southwest Airlines Chase credit card and disputed the charge and also complained that they had not honored my request to ban that merchant, as that merchant had tried to charge my card without authorization previously. 

Between XXXX XXXX and XXXX XXXX, I have spoke to nearly half a dozen representatives who have assured me they were closing my account and nothing would be owed. Just today I got yet another statement in the amount of {$98.00} which appear to be late fees and interest and such. 

This is appalling. I realize hiring people overseas saves money, but every single person I spoke with has done an incompetent job and I am left, months later, still dealing with this. 

Not to mention this could affect my credit adversely. 

I would greatly appreciate any assistance you can provide in helping to resolve this matter. This is my first complaint with you, but enough is enough. 

Thank you!
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE (NV)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-02-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I was sold a powertrain warranty on a XXXX that had after market tires on it when I purchased the vehicle. My XXXX  is in the shop because of powertrain malfunction and half of the work was approved and performed prior to the inspector coming out for the claim when they found more wrong with the engine. The inspector denied my entire claim because of the modified tires that were sold to me with the warranty. The dealership I purchased the vehicle through did not mark the lift kit box when sent in to warranty company and on the warranty it says will not honor if modified before, after, or during sale. They sold me a modified vehicle with a bogus warranty added it to my loan and charged interest. My XXXX  is now stuck in the shop with XXXX worth of work. I denied the heater core work that needs to be fixed as well that is XXXX to fix. I took it first to the shop the dealership told me to always take it to 3 times and they told me nothing was wrong with my XXXX  after they installed my radiator incorrectly. I got a second opinion and multiple things were wrong. I was paying out of pocket for half of the work and the warranty was going to cover the rest. Now it is still in the shop while I come up with XXXX more after paying XXXX at the recommended shop who most likely knew my warranty was not any good being in cohorts with the dealership and their warrantys.
Consumer complaint received 2018-03-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Hi I found some new information regarding my home and foreclosure process. In the XXXX County Recorders Office I noticed a RESCISSION OF NOTICE OF DEFAULT AND ELECTION TO SELL UNDER DEED OF TRUST recorded on XX/XX/XXXX Book XXXX Page XXXX. I dont know how Mr. is trying to proceed with the sale or even posting a Trustees Sale when I have not yet received a Notice of Default. How is it that they recorded a Rescission of Notice of Default but put the property on sale without Notice of Default? 
I have some concerns with servicer trying to foreclose on my home. I have sale scheduled for XX/XX/XXXX after checking some online auction sites they say my sale is active foreclosure. Im worried that Mr. Cooper my servicer will proceed with my foreclosure sale even though I have mailed out a complete loan modification packet to them. Called them and they said im under loan modification review. I know that if they do proceed with the sale they will be in violation of the California Homeowners Bill of Rights Act. 
I see they dont want to work with me and offer me absurd and unrealistic options which I can not afford and will force me to pay even more than I used to in the beginning. I can not do this. Im trying to get a loan modification, Im trying to keep my home, Im trying g to work with Mr. Cooper and the investors, Im trying to do and give them everything needed to succeed and seems like all they want to do is get rid of me and sell my home, take it away and move my family out. I want to pay my mortgage and be a good borrower but the recession has brought me to a point with my loan that fees alone have accumulated over the years with different servicers that its hard to keep up. Please hear me
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had money in my checking account ready to be drafted from XXXX, the company usually takes a few days to draft money from my account through account number not card so I always take that into account. The amount that was supposed to be drafted was {$1700.00} which was more than enough in my account. The draft usually happens by the XXXX or XXXX day of the month when I submit the payment on the XXXX and I have never missed a payment with this company before this incident, that is a documented fact. I check my bank account on the XXXX of the month and the rent draft bounced, the lease transfer fee was still there, about {$2.00}. I check to see why and two transfers of {$400.00} and {$420.00} with reference numbers XXXX for both that occurred on XX/XX/2023 for transfers that already happened on XX/XX/2023 to my credit account. I usually pay my credit card by transferring money directly from my checking account. I already spoke to multiple representatives one said they couldn't verify on the checking side, but one on the credit side could see an error. I Filed a complaint with one, but I never heard back. I spoke in person to a manager at a local bank in XXXX XXXXXXXX, CA and they told me to deal with the issue through the BoA app. Very helpful advice, I'm forever grateful. I spoke to the management at the apartment complex and said I would not be charged late fees because of my clean record and that I would just have to bring a money order. Well the next day I'm hit with an unauthorized draft of {$25.00} from XXXX. No problem, I just have to access my XXXX account, well they locked me out and I couldn't remove my payment info so they could keep drafting at will. Keep in mind there was no way to contact XXXX  personally, I tried for hours. I reported fraud, obviously, and one very helpful representative was able to see my whole account and saw the discrepancy and helped me get the late charge credited back and helped me freeze my account to prevent further unauthorized drafts from my account and allowed me to draft any money that I might need, I am very grateful for that, not being sarcastic here. It's been several days and I have not heard one word about the incident and times are very tough for me, I need that money, {$820.00} might not seem like a lot, but I'm struggling here. I have plenty of screenshots for proof and I'm sure BoA has the phone conversations recorded, don't worry about that.
Consumer complaint received 2018-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NV)

My previous Complaints with Nationstar have not been resolved. NS obstructed a refi loan that would have paid them in full. NS has illegally increased the prin. bal due on the loan, and has violated Fed and Nv. State laws. NS has not and can not prove the legal owner/ investor in the XXXX XXXX, nor can NS prove it has the legal right to service the loan. No assignments of the loan have ever been recorded in XXXX Co. Nv. The XXXX assertion of transfers have not been substantiated, and XXXX has refused to answer specific questions as to who authorized them to change their entries as to investor/ servicer. No Fed or State agency will take jurisdiction over NS 's misconduct and the numerous accounting ( documented ) errors.I have tried for years now to resolve the multiple issues, and have prepared a Complaint ag. NS to be filed in Fed. Crt. if  necessary. Hopefully the New CFPB will investigate NS again, and not just fine them but force them to resolve consumer Complaints ... XXXX
Consumer complaint received 2024-05-22
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: EQUIFAX, INC. (PA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (NY)

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report.

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to XXXX XXXX compliance standards, according to the XXXX. 

Deviation from these standards, as emphasized in the XXXX, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required XXXX XXXX XXXX truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

XXXX XXXXXXXX Collection {$430.00} XXXX XXXX-Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Collection {$430.00} XXXX XXXX XXXX | XX/XX/2022
Consumer complaint received 2024-05-20
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. (FL)

XXXX XXXX XXXX XXXX is inaccurate fraud account and shall delete from my credit report by LAW. 

This account number XXXX with a balance of {$27000.00} shall delete as agreed by the creditor. 

This is not my account and the creditor agreed to delete it from my credit report by LAW.