davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: GOLDMAN SACHS BANK USA (NJ)

On XXXX XXXX XXXX XXXX, I received a letter from XXXX XXXX, a firm located in XXXX, FL. I initially thought it was a scam since I do not live, work, or have any contacts/close connections in the state of Florida. XXXX XXXX was informing me that I was being sued in the state of Florida and upon doing some research, I was able to confirm that on XXXX XXXX XXXX from XXXX XXXX XXXX XXXX had filed a lawsuit with the XXXX XXXX XXXX on behalf of Goldman Sachs Bank. Case # XXXX with judge XXXX XXXX, XXXX XXXX. This is a frivolous lawsuit as I do not live or work in the state of Florida. I am requesting the CFPB conduct a full investigation against Goldman Sachs Bank and assess fines for their unfair and illegal debt collection practices. The FDCPA is very specific in that a debt collector can only sue where the defendant currently resides. Under the Rules of XXXX XXXX, a Plaintiff wishing to sue must do so in the proper jurisdiction and venue, or county and state court. This helps ensure that Defendants are physically and financially able to attend court hearings and that Plaintiffs can not forum shop or choose the state where the law most favors them and then file their lawsuit there. The proper place to sue is the county and state where the defendant lives. Not only do the Rules of Civil Procedure apply to creditors and debt collectors who are filing a lawsuit, but the Fair Debt Collection Practices Act ( FDCPA ) and XXXX Fair Debt Collection Practices Act ( RFDCPA ) also require that lawsuits against debtors be filed in the county and state where the debtor lives. If Goldman Sachs Bank had a claim against me I should have been notified at my home address here in the state of New Jersey. I should have also been given the opportunity under FDCPA to have this debt validated/verified as I was a victim of fraud in XXXX. If XXXX XXXX who I dont know from a hole in the wall was able to notify me here in my home in NJ than so should Goldman Sachs Bank and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-31
Product: Credit card — 
Issue: Transaction issue — 
Company: Dennis Dillon Auto Park and Truck Center, Inc., (ID)

I 'm not sure if this is the most appropriate agency to contact regarding my complaint. I did pay for the service/repair of my car with a credit card. I took my XXXX Nissan Frontier to Dennis Dillon Nissan in XXXX for repair on XXXX/XXXX/2013. This is an authorized Nissan dealer in XXXX and I was told that they only utilize Nissan parts on repairs/replacements as shown on the Estimate. I agree for them to repair my car after I understood they would use Nissan parts. I found out later after receiving my car that some parts did not look new and I reached out to the dealer only to be told that parts used were aftermarket because the Nissan parts were not available. However, at no time during the repair process I was informed that the parts were not available and aftermarket parts were going to be used instead. furthermore, on XXXX/XXXX/2013 I paid an invoice showing the agreed parts on the estimate and I was not told that different parts were used as noticed on the invoice itself. 
I made multiple attempts to reach a resolution with Dennis Dillon. I requested proof of where the parts came from and I was given a " parts shipment list '' which after investigation, I found that those parts were for multiple vehicles and none were actually for my car. I looked up every single part number at Nissan.com. 
I spent about XXXX months trying to resolve the problem with Dennis Dillon. I noticed that the aftermarket parts started to show corrosion a couple of months after they were installed and I tried to get dealer to honor the lifetime warranty that he mentioned on a XXXX/XXXX/2013 email. Dealer refused to honor the warranty. I also discussed with dealer getting a refund for matching the price with the lower cost aftermarket parts that they had used but they refused. Dealer eventually stopped all contacts. 
I tried to hire a private Attorney but Idaho is a very conservative State and most of them represent the insurance/defense. I did talk to a couple who believed that the amount paid for the parts was n't large enough for them to take the case. 
I 've been taking my car to another Nissan dealer for maintenance and I 've found out that some parts that were supposed to be replaced are not on my car at all. for example, the front Grill was coming loose on one side and I was told today that there were seven clips that were not installed during repairs by Dennis Dillon. In addition, I was also told that they did n't do a proper job because the repaired side had been bolted rather than welded and as result it looks uneven on that side. 
I 'm not sure if the FTC or other agency protects consumers from predatory/fraudulent practices but here is Dennis Dillon Address/contact information : Dennis DillonXXXX XXXX XXXX XXXX, ID XXXXPlease let me know if you can help me. I already tried hiring a private Attorney but not many in this area represent the people. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-07-19
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: Rent Recovery Solutions (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX O You are in Direct Violation Of The Fair Credit Reporting Act ( RentreCoverySoulutions ), Has violated several of my rights. 15U.S.C 1681 Section 2 ; It states a consumer reporting agency can not furnish an account without my written instructions. 15U.S.C 1666B ; A creditor may not treat a payment on a credit card plan as late for any purpose.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

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 Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$4000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$770.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1300.00}.
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/year>, I went into the XXXX, Florida Chase Branch as a long time customer and made a very large deposit which they instructed me would be ready on XXXXXX/XX/year>. In the meantime, I have written proof sent to Chase ( my deposit bank ) from XXXX  XXXX XXXX that shows the check deposit was cleared- the deposit to be valid and funds were available on XX/XX/year>. We are now 10 days later and Chase has still not approved my deposit but they have earned thousands of dollars in interest which they should not be entitled to. Meanwhile, because of the frozen deposit, I am in jeopardy of being late pay bills on many accounts. Chase should be held accountable to pay the interest lost and any fees or late charges from bills that are unable to be paid while they freeze the deposit. 

They will try and state CC regulation but that should not apply since we gave them a copy from the XXXX  XXXX XXXX which shows they cleared for deposit on XX/XX/year>. Even with this Chase is playing games to hold the deposit and earn interest which they have stolen.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (NC)

Had XXXX interest intro offer from Barclay 's Bank for Priceline Credit Card going back a year. Cancelled the card by phone call to Priceline XXXX on XXXX XX/XX/23 ( please listen to recording ) and destroyed it. Leaving me a XXXX balance. Most always paid off balances monthly during time I used the card so no interest should be charged. 
Noticed that {$12.00}. XXXX interest charge effective XX/XX/23 on this XXXX balance but paid under protest. 
Wrote to Barclay 's to complain about this and dispute these false charges @ XXXX XXXX. 
Received response from Barclay 's that insulted my intelligence. They claimed I cancelled the credit card XX/XX/XXXX or some gaslight nonsense. 
Reduction is for them to refund me {$510.00} And like I told my co worker when I went with her to her church and the pastor got up to preach at XXXX XXXX  : they won't have to worry about me no more, no way, no how
Consumer complaint received 2017-04-05
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (VA)

A collection account was placed on my credit report in XX/XX/2017 by Midland funding. I was not aware of this account and had not received a dunning letter so I mailed a certified letter to midland on XX/XX/2017 requesting debt validation within 30 days. I have never done business with them and have also been a victim of identity theft in the past so I needed this account validated with proper legal documentation such as a signed contract, intimate detail or something identifying I was the owner of this account. After the expiration date a received XXXX copy of a front page bill with my name and address. I immediately responded to Midland advising the information provided does not validate this debt and they have 10 days to provide accurate legal documentation that this account belongs to me. I have yet to receive proper validation and this account should not be on my report.
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MI)

I received an email from Synchrony/CareCredit notifying me that if I do not sign up for paperless billing I will be charged {$1.00} a month. While I am all for paperless transactions, I find this policy unfair and discriminatory. I have a computer, cell phone and Wifi. Others ( disabled, impoverished or elderly ) may not have those things and so would not be able to go paperless and thus would be penalized for that. I find this practice unfair and discriminatory.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My information was bought and sold illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report effective immediately. 

I am attaching proof that Equifax has admitted that I was a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

Please help me delete these negative items off of my credit report : XXXX  XXXX - Account # XXXX  XXXX  - Account # XXXX  XXXX - Acct # XXXX
Consumer complaint received 2024-05-21
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial (MA)

On XX/XX/year> I signed a loan agreement with Spotloan to borrow {$800.00} and pay it back in bi-weekly installments of {$140.00} until the loan is repaid in full. The APR on the loan is 460 % and the finance charge is {$2100.00}. As of to date I have paid a total of {$980.00} which is more than I borrowed. While I did sign a contract, the company is committing usury, an illegal practice of lending money at unreasonably high rates of interest. My bank account is now over drafted because I am struggling to make ends meet. I contacted the company on XX/XX/year> to inform the company that I would not be able to make a payment on XX/XX/year>. I spoke with a lady who said she would notate my account and to just pay when I can. I told her I didn't want to be reported to the collection agency and she said call back after XX/XX/year>. I called yesterday, XX/XX/year> and spoke with a gentleman named XXXX. I explained to XXXX that I have a payment due on XX/XX/year> and would not be able to make the payment because I am struggling to make ends meet and facing eviction. XXXX stated that if a payment isn't made my account will be sent to collections and I will be reported to the credit bureau. I am not trying to avoid paying but I can not give the company something I do not have, and they don't seem to be willing to help me.
Consumer complaint received 2024-01-20
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC (OR)

On XX/XX/XXXX I received an email from Jefferson Capitol Systems claiming I have debt with sprint. I do not and have won the disputes with the prior 3 companies that tried to collect on this debt. The last time I won a dispute was over XXXX  years ago. There is XXXX reason this debt should be continuing to be sold to other debt collectors. I responded immediately notifying that my name is not XXXX XXXX ( my name change went through in XXXX ) and to not contact me via email, phone or mail. I then get contacted by my bio parents last week that they got a letter for me that was sent to their address. I moved out of their house before opening an account with sprint. The letter is dated XX/XX/XXXX. This is not only a violation of my no contact request but also harassing my relatives which is also illegal.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (OK)

I filled out the forms US Bank provided. I had my signature notarized, and provided my SSN. There was a check list included with the paperwork. I completed all paperwork. They just sent me a return letter asking me to sign a XXXX. I completed and signed said form in the first package. They are just drawing out this process needlessly.
Consumer complaint received 2024-05-20
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (FL)

I am writing this to formally dispute the debt claimed against me by your company under the Uniform Commercial Code ( UCC ) as a holder in due course. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with you! I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. You are a third party as defined by law and have no legal right to collect on this contract. According to legal definition provided by XXXX  from the XXXX XXXX XXXX A third party is a person who is a stranger to a transaction, contract, or proceeding If you're not the holder in due course you can not legally try to collect or enforce a claim against me. The law says that Under the UCC 3-302. HOLDER IN DUE COURSE. ( c ) Except to the extent a transferor or predecessor in interest has rights as a holder in due course, a person does not acquire rights of a holder in due course of an instrument taken ( i ) by legal process or by purchase in an execution, bankruptcy, or creditor 's sale!! How did you get my nonpublic personal information? What proof or evidence do you have to substantiate your claim? You are committing fraud and extortion as defined by federal law. It is illegal to try and force me to pay an alleged debt without providing me proof that I owe you. Please provide the original contract of indebtedness ( with my wet signature ) if indeed your claim is true. In addition, I would like for your company to show legal documents proving you have the legal right to collect on this alleged debt in my state and city. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. 

Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating your consumer rights by using false misleading, Misrepresentation and deceptive means. 
Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Consumer complaint received 2024-01-21
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 was looking at my report and notice that were some things that was not correct. I sent a letter to Equifax on XX/XX/2024 here is my tracking number XXXX. It has been more than 30 days since the credit bureaus have not responded. That is a violation 15 USC 1681i ( a ) ( 1 ) ( A ). 

Under 15USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness and accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is dipsuted by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

Recently CFPB closed my case after a simple response from Wells Fargo about unauthorized debits from my account by a XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX did find there was fraud on my account as well my being the victim of financial exploitation in this matter. The XXXX on my case for XXXX XXXX is XXXX XXXX XXXX. I would like to appeal this complaint with Wells Fargo asap. XXXX XXXX can be reached at : XXXX. XXXX XXXX can be reached at XXXX. My family is in a serious deficit due to the {$35000.00} stolen from me. Wells Fargo needs to reimburse my money.
Consumer complaint received 2024-05-20
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (NH)

I was a XXXX XXXX customer in 2017 and relinquished my account with them to move to XXXX  Per their terms I had to return the device I was financing or pay them in full. I decided to return the device and sent my phone ( XXXX XXXX ) back with the return packaging they mailed me. My account was charged with a delinquent payment for the device regardless of the fact I return the product. I contacted XXXX directly and they said the did not receive the product and informed that the account would be charged off to a debt collector. XXXX XXXX XXXX XXXX was the debt collector the account was sold too and since I have disputed numerous times that this is a false debt for a device I returned. Each time I was informed there was nothing that can be done and each time I disputed this with XXXX it was updated at the same value from before and claimed to be accurate. I do not owe this debt. I returned the device and the claims otherwise are false.
Consumer complaint received 2023-08-19
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. (CA)

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX Balance : {$240.00} XXXX  XXXX Balance : {$430.00}
Consumer complaint received 2023-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Hello, I used my debit card for a transaction XX/XX/ as you can see below the transaction in question through my bank. 

XX/XX/18 XXXX XXXX XXXX XXXX PURCHASE XXXX /XX/XX/XXXX XXXX CA As you can also see that this was a debit card transaction and the transaction was done through my bank which is why the transaction is showing on my bank statement. Unfortunately the seller completely ghosted me and did not give me what I was paid for and actually blocked me. I reached out to him and the authorities as well as all proper channels and I was told to go to my bank since the transaction was made through my bank. I signed up with citizens bank because their debit cards come with zero liability coverage. Below is a statement provided directly from their website. 

At Citizens, we understand that you want peace of mind when you bank and shop online. Our Debit Card comes with Zero Liability coverage - this means if your debit card number is fraudulently used to make a purchase, you won't be responsible for that transaction. With our 24/7 fraud monitoring and alerts at Citizens, we make every attempt to prevent that from ever happening. Citizens ' debit cards are the simple and secure way to pay for any of your purchases. 

Now fraud would be defined as wrongful or criminal deception intended to result in financial or personal gain. 

So clearly my bank account being charged for {$1500.00} for something I did not receive would be criminal deception intended to result in financial gain. Citizens bank refuses to honor their word or view my claim. Whenever I would offer to send them proof or the messages with me and the seller they would decline my help and just chose to decline my claim. Their only response is to put the blame on XX/XX/XXXX but my transaction was not done throughXX/XX/XXXXit was done through my bank which is why the transaction shows on my citizens bank statement. They refuse to help me and I am met with consistent lies and denies. They refuse to honor their word of the debit card zero liability coverage and I feel as if I am the victim of fraud with citizens bank because of their false advertisement.