davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
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 (TX)

Subject : Complaint Regarding Unresolved Refund Issue After Dispute Resolution Dear Consumer Financial Protection Bureau ( CFPB ), I hope this message finds you well. I am writing to file a formal complaint against Apple Card issued by Goldman Sachs regarding a persistent issue with the refund of funds following a recently resolved dispute. 

Disputed Transaction Dispute case number : XXXX Transaction date : XX/XX/2023 Merchant name : XXXX Disputed amount : {$250.00} Credited amount : {$250.00} and the matter was successfully resolved in my favor. However, despite the resolution, I have not received the refunded amount in my account as promised. 

I have made multiple attempts to contact Apple Card customer service and Goldman Sachs to inquire about the status of the refund, but unfortunately, I have not received any satisfactory response or resolution. The lack of communication and delay in refunding my funds are causing significant inconvenience and financial strain. 

I kindly request your intervention in this matter to ensure a prompt and fair resolution. I have attached relevant documentation, including the dispute resolution confirmation and any communication with Apple Card customer service, for your reference. 

I appreciate your attention to this matter and trust that the CFPB will help facilitate a swift resolution to ensure consumer protection. 

Sincerely, XXXX
Consumer complaint received 2024-01-31
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ClearOne Advantage, LLC (CA)

On XX/XX/XXXX, I signed up with Clear One Advantage, a debt consolidation company, after a friend recommended it. The representative suggested including debts with the highest balances. I agreed, thinking Clear One Advantage would negotiate with my creditors to settle for less than what I owed. 

From XX/XX/XXXXXXXX  to XX/XX/XXXX, I made two monthly payments of {$290.00} ( {$590.00} in total ). Despite this, I never received any communication from Clear One Advantage about updating the account numbers we initially agreed upon. I was also not informed about the possibility of a 1099-C filing, which could result in the creditor taxing me on the settlements. One of the 1099-C forms I received didn't match the account number in my agreement, and I never got an amendment to correct it. 

Now, as I review my creditor settlements, I can see various details like the balance at settlement, my enrolled balance, the settlement amount, Clear One Advantage 's fee, the total settlement cost with fees, and my overall savings. What wasn't disclosed to me was the potential tax implications, especially considering the high balances, which could lead to creditors taxing me through 1099-C filings. If I had known about these tax implications, I might not have chosen debt consolidation. 

I believe it's crucial for Clear One Advantage to clearly inform debtors that creditors can tax them through 1099-C filings, especially if they have high balances. 

In hindsight, I believe I was mislead and I could have considered better options, especially since none of my accounts were in default when I joined Clear One Advantage.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (HI)

I am writing to lodge a formal complaint against USAA for their handling of a check deposit into my checking account and their failure to comply with Regulation CC regarding the availability of funds. My name is XXXX XXXX, and my account with USAA experienced an unwarranted delay in funds availability that has directly impacted my ability to address an urgent medical issue. 

On Sunday, XX/XX/2024, I deposited a check for {$4700.00} into my USAA checking account. Following this deposit, USAA placed a hold on these funds, informing me via a notification that the funds would not be available until Friday, XX/XX/2024. Given the urgent nature of my situationan XXXX XXXX requiring immediate dental interventionI contacted USAA customer service on XX/XX/XXXX and XXXX, XXXX, to request the early release of my funds. 

Despite my explanation and urgent need for the funds to cover medical expenses, USAA 's response was dismissive. The representatives provided vague, generalized reasons for the hold but failed to give a specific explanation for why my deposit was subjected to this delay. When pressed for a detailed reason that could justify the hold under Regulation CC, the representatives stated they were unable to provide one. This lack of specificity and refusal to accommodate an urgent medical need is not only insensitive but also appears to be in direct violation of the stipulations outlined in Regulation CC regarding the expeditious availability of deposited funds. 

This experience has caused me significant distress, not only due to the physical pain of my medical condition but also because of the financial uncertainty and lack of support from my financial institution. I believe that USAA 's actions in this instance are not compliant with Regulation CC, despite what their deposit agreement states. The refusal to provide specific reasoning for the hold, coupled with the inability to accommodate an urgent request, indicates a failure to adhere to the consumer protection standards mandated by federal law. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter to ensure that USAA is held accountable for their actions and to prevent similar occurrences in the future. I believe that all consumers deserve transparency, fairness, and understanding from their financial institutions, especially in times of need. 

Thank you for taking the time to consider my complaint. I am willing to provide any further information or documentation as required. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I placed an order on the XXXX app for delivery and received an order that was not mine. I got someone elses order entirely. A much smaller order. XXXX used XXXX but I somehow got a XXXX order ( maybe the delivery person was doing 2 orders on 2 diff apps I have no idea as they just dropped it off on my doormat and left, I never spoke to them ) I filed a dispute with my bank Chase and they denied saying I authorized the charge, while yes I did, but I did not authorize on the order I received as it was NOT mine at all. I paid {$110.00} and got like {$25.00} of someone elses order. How is that fair? Please help. Thank you.
Consumer complaint received 2024-01-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (IL)

I have over {$1000.00} worth of XXXX Robinhood is not letting me access. They don't respond to XXXX, and there is no phone # to call. Filing a complaint to because a few months ago, they " froze '' {$10000.00} worth of my money with mo explanation. Took weeks to get it unfrozen. Don't want that to happen here. XXXX online, seems like robinhood has a pattern of doing this to clients, with XXXX explanation or resolution.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (TX)

I have sent multiple certified written letters to Santander Consumer USA asking for the removal of a 7+ year old auto loan that is being reflected as negative information on my report. They have refused to do so. As I am aware that consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years. I am submitting this claim in an attempt to have them fix this issue. Thank you.
Consumer complaint received 2023-06-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

The company IS Portfolio recovery and the amount listed on my credit report is XXXX contacted the company and asked for validation of the debt. I sent them an several certified letter to signed upon receipt to present me in writing validation of the debt. I never received any validation of the debt. I explained do not recall the particular bill. I called again on XX/XX/1923 and the representative stated that it ( debt ) is was in there legal department and I had to speak their litigation department.
Consumer complaint received 2024-01-31
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (DC)

I have received two distressing email marketing campaigns from Sephora Credit Cards ( Comenity & Bread Finacial ) that utilize misleading subjects and email body copy, encouraging consumers to increase their spending on the credit card. 

Example XXXX : Email Subject Line : " A message for XXXX : You have credit waiting on your Sephora Visa Credit Card '' Body Copy : Use your available credit from your Sephora Credit Card for shopping, more treats, and more fun. 

Why is this a problem? I am a marker by profession with a XXXX XXXX in XXXX XXXX XXXX XXXX This aids in using confusing language to make the consumer believe they have " a credit '' on their account, framing their credit card limit as seemingly money to " buy treats and fun '' With the rise in young consumers at Sephora, I am concerned that younger card holders will not be able to discern between this advertising and the truth behind their credit limit and what spending on a credit card means to their financial stability and future.
Consumer complaint received 2023-09-15
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: Experian Information Solutions Inc. (NY)

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.
Consumer complaint received 2024-01-31
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: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2023 I opened a dispute with Chase Card Services stating that merchant XXXX XXXX XXXX XXXX XXXX cancelled partial legs of my international flight without processing a refund & not providing me a redressal even though continuously promising me that would be done. 
Chase card services decided to contact the merchant instead of opening a dispute with the credit card network, this caused precious time to be lost since credit card networks have a policy of allowing disputes only up to XXXX days after transaction/travel dates. 
Subsequently on XX/XX/XXXX I was told that dispute has been closed & Chase card services on subsequent phone inquiry told me that the actual dispute could not be submitted since more than XXXX  days have elapsed since cancelled flight dates. 

In this process Chase card services procedure for customer dispute processing was designed to waste time eventually rejecting customer dispute claim. 
Taking XXXX days running the clock to get dispute outside of XXXX ( credit card network dispute timeframe ) amounted to willful negligence.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NCB Management Services Inc. (TX)

Collection Agency : NCB Management Creditor : XXXX XXXX Amount of Debt : {$12000.00} I have made several attempts over the past four years for NCB management systems to provide me with the original validation letter for the alleged debt between myself and XXXX XXXX. I have sent countless formal requests via certified mail asking for NCB to provide me with the original purchase agreement of this alleged debt between NCB  and XXXX XXXX, all to no avail. I have requested this information via certified mail from the year XXXX  to present and I still do not have the information I have requested. Per the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for any and all documentation of the alleged debt and If they don't, they're in violation of the act. If the can not provide the original purchase agreement of this alleged debt between NCB and XXXX XXXX, they must delete this entry on all of my credit reports with XXXX, XXXX and XXXX.
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CL Holdings LLC (CA)

2 weeks ago I went to XXXX XXXX with my daughter to purchase a printer and a few household items I told her that I wanted to apply for the XXXX XXXX credit card so I could use the no interest for 12 months when I applied and was denied when I received a letter saying I had a delinquent accounts I had my daughter reach out to XXXX and we pulled my credit report to see there where 4 account that do not belong to me and address that I have never lived or no of. 


XXXX XXXX  card opened XX/XX/XXXX amount {$1200.00} Jefferson capital XXXX XXXX opened XX/XX/XXXX amount {$1300.00} Jefferson capital XXXX XXXX XXXX  open XXXX amount {$580.00} XXXX XXXX XXXX XXXX open XX/XX/XXXX {$300.00} credit card
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (FL)

XXXXXXXX XXXX XXXX was paid off.They said they would remove it from my credit reports after I paid it off but them and the credit agencies haven't done anything to delete it from my credit reports. 

XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2024-04-19
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. (AZ)

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 has violated 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 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 2024-01-31
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (CT)

I have deposited a XXXX XXXX  Bank Check from XXXX XXXX XXXXXXXX. Chase bank will not release the funds because they said XXXX  XXXX XXXX has not cleared the funds!! I have never had an issue depositing this check over the last 5 years. Chase refuses to release this money. I get the run around from Chase, depending on the customer service agent I speak to its either XXXX  cant verify the funds or XXXX  hasnt cleared the check. This is a XXXX XXXX  Check from a prestigious University!! I dont have my money and I am getting the run around!! The last customer service at Chase said that XXXX did not provide the day the check cleared and if there are any stops and holds on the check from their end. XXXX did tell Chase there is enough funds in the account.
Consumer complaint received 2024-01-31
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: QuickClick Loans of Illinois, LLC (NY)

Last year while I was in between homes I took out a title loan with EasyDollarLoans XXXX XXXX XXXX XXXX in XXXX using my car title that I owned free and clear and paid XXXX for. The loan was for {$2500.00}. I no longer can see my loan documents because they disconnected my loan from the online account when they repossessed my car from my residence in XXXX, NY on XX/XX/XXXX. XXXX XXXXXXXX XXXX  XXXX came to my new address and took my car and its in XXXX, NY. I have attached my XXXX letter from my doctor and I am currently in XXXX XXXX XXXX XXXX  and suddenly not having my car has drastically affected my XXXX and my ability to make money. I have never received any notice stating that they were taking my car or offered a workout agreement. I received a notice of repossession by mail after my car was taken. I didnt know I had the option to lower my payments or renegotiate my loan terms. XXXX XXXX from XXXX XXXX XXXX emailed me on XX/XX/XXXX and we discussed me trying to make payment. I never received any notice after that exchange with her via email. I have been in college full time and I am self employed doing deliveries. I was going to use my next tuition refund and tax return to pay the total of {$3300.00} I was told I owed when I called in XX/XX/XXXX. When I spoke with XXXX from XXXX on XX/XX/XXXX she told me yes they took my car and that I needed to pay {$6900.00} in 15 days or my car would be sold at the auction. She wouldnt negotiate anything and she wouldnt email me my loan documents or give me access to the online account. They were extremely vague about when the car was sold in the letter stating that it would be sold sometime after XX/XX/XXXX.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I am writing this request to BK OF AMER that I have been a victim of identity theft and I want to dispute specific records in my credit file that is fraudulently reporting on my credit report. The account I have been challenging is the result of the fraudulent information that is damaging my reputation. and I want all the information in my credit report to be accurate. I have attached a copy of the FTC report to support this complaint with the report number XXXX.
Consumer complaint received 2024-01-31
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TD BANK US HOLDING COMPANY (MI)

Was hit by a car ended up in hospital. I didnt get the chance to pay and my target credit card reported 30+ days past due. 

I called and asked if it can be removed as a courtesy the agent said it automatically happened with them waiving my past due fee. I dont think he 100 % understood what I was saying. 

Also asked about another late fee being waived. Set the account up on auto-pay.
Consumer complaint received 2024-01-31
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (OH)

I have tried three times to use my vanilla gift card - all times there has been a problem and the purchase has been declined. They make the money so hard to access this should be illegal. They are stealing money.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX : {$1200.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$5500.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

I have inquiries I dont recognize on my report such as Experian Business credit date XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX on Experian On XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, On XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX