davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-24
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: Experian Information Solutions Inc. (MO)

There's unverified collection accounts that's reporting on my credit report inwhich neither credit agency physically verified, in accordance to the FCRA, each account should be verified snd send consumer an physical account. However, if this is not provided then the accounts should be removed. I have no knowledge of these collection accounts dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2024-01-31
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)

Dear CFPB, I am writing to file a complaint against Apple Card Goldman Sachs for their inadequate handling of a disputed transaction, leading to a blatant mishandling of funds. 

Dispute case number : XXXX Transaction date : XX/XX/year> Merchant name : XXXX Disputed XXXX : {$100.00} Amount to be rebilled : {$100.00} The seller, XXXX, promised a Free Return, but upon my request for a return label, they only provided an address and expected me to cover the return shipping cost. Subsequently, I initiated a dispute, seeking intervention from my bank against the dishonest practices of the seller and XXXX. 

Despite providing ample evidence, my bank informed me that the Apple Card transaction dispute investigation is complete, and the disputed charges will remain on my account. 

I previously requested the case to be reopened, as the {$51.00} had been charged back by the merchant, yet they continue to demand payment from me. 

This mishandling of funds has persisted for XXXX months, and today I was notified that this amount is now considered my debt. I am deeply dissatisfied with Apple Card Goldman Sachs for their unethical behavior of benefiting from both the merchant and the customer. 

I urge the relevant authorities to investigate and supervise the actions of Apple Card Goldman Sachs in their financial dealings and dispute resolution processes. 

Sincerely, XXXX
Consumer complaint received 2024-01-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Muskegon Car Credit, Inc. (MI)

This debt collector used unfair, abusive, and misleading tactics that are prohibited under the FDCPA. They provided this account, for which I did not sign an agreement, and we did not agree. Two parties must sign a legal contract, and I was not involved in any of it. Furthermore, they did not adhere to the correct five-step validation procedure, which renders these activities unfair. I'm entitled to {$1000.00} for each breach under the FDCPA, and it's obvious that they infringed my rights. 

I'm going to have to send this to my litigation attorney if this corporation doesn't remove this account from all three credit reporting agencies and pay me for the violations.
Consumer complaint received 2024-01-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Javitch, Block & Rathbone LLC (IN)

I received a small claims notice that I am being sued by XXXX XXXX XXXX XXXX through Javitch Block LLC. This is the first I had heard of this debt or of it being " owed. '' I never received any communications from Absolute Resolutions of the debt AT ALL. When served with the papers of the small claim, I filed an Answer affidavit back denying debt and asking for several things including - debt validation, copy of original signed contract with original creditor ( which I had no prior knowledge of ), Valid proof, attorney 's collection and licensing, Lack of Privity, all of this- I was NEVER provided anything from Absolute Resolutions on such a debt placed with them.
Consumer complaint received 2024-01-30
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MA)

XX/XX/XXXXXXXX   I opened an ANN TAYLOR Credit card and paid the first bill in full sending a check for {$580.00} on XX/XX/XXXX. It was due XX/XX/XXXX. It was debited from my checking account ton XX/XX/XXXX. 

I was charged a {$30.00} late fee. For some reason I do not have a record or recollection of receiving that invoice the following month. Subsequently in XXXX I was charged a second late fee of {$30.00}. I called customer service at the time and also spoke to a supervisor. I was told the best they could do by policy was to cancel one of the late fees and I had to pay the second {$30.00}. I was not happy about this and sent an email to customer service. However, I sent a check for {$30.00} on XXXX which was received and debited from my account on XX/XX/XXXX. 

In XXXX I received a statement for XXXX that there had been a balance that carried over. I called a customer service representative who told me that late fees escalate between $ XXXX {$41.00} and a fee of {$40.00} leaving a {$10.00} balance not paid. I was then charged another late fee of {$40.00}. This statement now shows a forwarded balance of {$61.00} ( not clear to me where that came from ), a new fee of {$40.00} and a balance of {$71.00}. 

I am being forced to pay these fees to stop this escalation. I do not believe it is the intent of these policies to punish customers like me yet, there seemed to be no one who had the authority to make decision specific to this case. I was forced to pay a balance of {$71.00} ( on a bill that was paid in full in XXXX ). 

I am requesting this be reviewed at a higher level and a refund of the {$71.00}. 
At my request my account was closed in XX/XX/XXXX. 

I sent correspondence to Comenity Bank requesting cancellation or refunding of this balance. 

XXXX XXXX XXXX XXXX, OH XXXX Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX
Consumer complaint received 2024-01-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/year> I mailed a letter asking for verification of the debt because I do not know this account. After waiting over 30 business days for a response, they have failed to provide proof that the debt belongs to me.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (WI)

I filed a police report and sent it to Early Warning systems twice already letting them know that the accounts on my EWS report DO NOT BELONG TO ME. I have never been associated with these accounts and I am very unsatisfied with the way they are mishandling this important information. They refuse to respond in a timely manner and are also violating my rights by reporting inaccurate information.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Chase Froze My Account saying it was flagged, than when I contacted them they told me to provide information stating that funds that were wired to me was in a memo for someone else, when the memo had the company who sent me the funds for my Business, I contacted the senders they spoke with the bank, when the bank had told me to have them call than the Bank tells them they can not speak to them unless I signed a paper stating 3rd party consent, they still didnt fix or solve the problem or hold This was a XXXX XXXX XXXX XXXX  . They are holding my XXXX XXXX XXXX XXXX XXXX XXXX  {$50000.00} And my Checking Account XXXX
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (NY)

Im called company XXXX XXXX, in covid 19 time when credit reporting was off they report about my late payments after Tht I been begging them to delete my report.close acunt also showing n late payment .paid off account also showing in credit report.after Tht AFFIRM INC put flag in my XXXX account I dont have no knowledge off Tht .i also called them they denied to remove Tht.plz help me Im trying to buy house bcoz if this now bank not giving me loan bcoz my score is down .plz help me, I called 3 credit barrow and those company
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (IL)

Letter received that a XXXX card application was received and denied by Genesis fs Card Services, XXXX XXXXXXXX XXXX. This is fraudulent as I never made any such application.
Consumer complaint received 2024-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (DC)

In the XXXX, my Homeowners Association notified owners that the building 's master policy was changing, losing some level of coverage, and to confirm with our home insurers that we were still covered. In XXXX, I received a warning from my mortgage servicer, NewRez LLC, that they had been alerted to the change, and would be purchasing insurance on my behalf if I didn't prove that I was covered. I called XXXX, and they assured me that I was in fact covered, and sent an updated copy of the policy. 

On XX/XX/XXXX, I emailed the policy to XXXX using the email address they listed on their website, and received no confirmation. 

Around XX/XX/XXXX, I received more mail from XXXX threatening to purchase insurance on my behalf if I failed to upload my homeowners insurance documents to a given " portal '' website, completely different from their actual website. The letter identified themselves as a " debt collector '', which I suppose is technically true, but clearly threatening and even misleading. I went to the site, XXXX, and uploaded both my original policy and the current renewal. I received no confirmation. 

Today, XX/XX/XXXX, I received the same notification of the need to upload my insurance information, along with a " Evidence of Hazard Insurance '' document, wherein NewRez followed through on their threat, purchasing a year 's term of insurance from " XXXX XXXX XXXX XXXX XXXX XXXX '' in the amount of {$4600.00}, which will be taken from my escrow account. Interestingly, it is effective XX/XX/XXXX, well before the first notification that my insurance had " lapsed '' ( even though according to XXXX, I'm covered ). I again went to the same website, re-uploaded the documents, and received no confirmation.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NC)

I call wells fargo XX/XX/2024 about my account that they have double charged me and in the middle of me asking a question the customer service rep hung on me. I just don't understand i been with them so long and now I'm just now having major problems with the company. It should not 10 business days for me to get my money because it took like two seconds for my money to be taken out my account. Also they need to the fees are ridiculous i will be changing banks this time.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SYNCHRONY FINANCIAL (DC)

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington DC, XXXX SYNCHRONY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear SYNCHRONY, Additionally FCRA as a federally protected consumer. Under modern privacy laws, I as a consumer have a legal right to opt out of any activities involving the collection, use, and disclosure of my personal information. In other words, I as a consumer can simply say " NO '' to all data processing activities, from marketing emails to website cookies to the sale of data. However all businesses non affiliates which are investors by law must honor these requests or risk facing significant penalties from the Federal Trade Commission or from the Federal Government. I am now Opting Out on all authorization that includes mailing and solicitation. I the consumer may have given you written Unwritten verbal and nonverbal per 15 USC 6802. 

Under the Privacy Act of 1974 I do not have to provide you with my social security number or my personal information, I am federal protected by the United States Government Under Article 7 of the XXXX The consumers or data subjects who have previously given their lawful consent to a specific data processing activity can withdraw their consent whenever they wish. I can withdraw from any data offers at anytime. 

I am also a DC resident. In Washington DC, DC residents have also rights to Opt Out on all things including non affiliates mailing solicitations. 
I should not receive any other piece of mail from any non affiliates or third parties. 
Thank you for your time and cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (TN)

Overview You have 100 % left to pay on this collection. 

Balance {$950.00} Highest Balance {$950.00} Opened XXXX XXXX, XXXX  ( XXXX yr, XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX  XXXX  Closed No Info See an error? 
SEE AN ERROR? 
If there's an error on your report, you can submit a dispute. 

DISPUTE AT XXXX Creditor Information JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (AL)

I am writing to file a complaint regarding the inaccurate reporting of my student loans by Navient to the credit bureaus. My student loans have been in forbearance since XX/XX/year>, and I have emails from Navient to prove this fact. 

Despite providing evidence of my loans being in forbearance, the credit companies are reporting incorrect information. This has negatively impacted my credit score, and I believe that this inaccurate data should be deleted in accordance with the Fair Credit Reporting Act. 

I have attached copies of the emails from Navient confirming my loan forbearance for your reference. I am requesting that the inaccurate information be immediately removed from my credit report to reflect the true status of my loans. 

Thank you for your attention to this matter. I look forward to a prompt resolution to ensure the accuracy of my credit report.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MN)

In early XXXX, XXXX I received three letters from Wells Fargo regarding their Checking Add on Package which I had not originally authorized. The letter gave their toll free phone number to call. I called their number at XXXX and I received three ( 3 ) reference numbers. Reference Number XXXX for a check payable to me in the amount of {XXXX. Reference Number for my partner. 
Reference number : XXXX payable to him for the amount of {XXXX  and also for my partner, Reference number : XXXX payable to him in the amount of XXXX I was told on several occasions that these Checks, Payable to myself, and my partner would arrive in 30 days, by XX/XX/XXXX. It is now almost XX/XX/XXXX and those 30 day promised checks have NOT ARRIVED as promised. They keep telling me that they are the in process and/or pending status. It is now going on XXXX months later and NO PAYMENTS HAVE ARRIVED. You can reach and call Wells Fargo at Wells Fargo Complaint phone number : XXXX. Give to them the three reference numbers. I demand that Wells Fargo mail these checks to me immediately.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/2023 my husband wrote a check from our Huntington account to the internal revenue service. The check was intercepted and on XX/XX/2023. It was apparently cashed at a XXXX XXXX with no signature on the back of it. Huntington contacted us to tell us that a fraud had taken place And we were under the assumption that they had caught the transaction before the money was withdrawn from our account. Later, Huntington told us that we needed to get an affidavit signed by the IRS stating they never received the money. Huntington had already contacted us to let us know that a fraud had taken place, so why was the onus on us to prove that fraud had taken place? I contacted the IRS and they said they do not sign affidavits like this, but they will do an internal investigation which will prove the money was never received, even though the person I spoke to said, she already knows the money wasnt received. We have been dealing with this for several months now and Huntington will not give us our XXXX back. How can someone cash a check written out to the IRS that doesnt work for the IRS and how can a check be cashed without a signature?
Consumer complaint received 2024-06-24
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)

I requested Equifax to remove the XXXX entry from my credit report for Fraud. It was proven that XXXX added another {$19000.00} in additional debt to the entry fraudulently. After notifying Equifax of the Fraud, Equifax responded that " The entry has been updated and current. ". It still shows the extra {$19000.00} on the Credit Entry which is Fraud. I am attaching the forms and contracts showing I NEVER OWED {$32000.00} Charge off + {$19000.00} Balance which is a total of {$51000.00}. I never owed that much money! Not even close!!! 

I did find out that XXXX and XXXX XXXX are 2 of Equifax 's biggest customers and have learned through similar law suits that Equifax " Favors '' it's largest, highest paying clients in dispute matters. Equifax has allowed this Fraud to continue for over 6 months now. CFPB, you will see that this is a Fraudulent act, committed by Equifax to make sure it keeps it's highest paying customers happy. After Equifax allows criminals to steal my information, and now continues to allow Fraudulent Entries on my Credit Report, I am asking the CFPB get involved for a broader investigation into why Equifax continues to allow criminal acts of Fraud after we have provided AMPLE amounts of proof to Equifax. The next question I have will show the Fraud by Equifax and what I would like the CFPB and Equifax to address... 

*****If my Sales Contract shows I made a purchase in XX/XX/XXXX for {$37000.00} ( Attached ), and my XX/XX/XXXX Payment Log from XXXX shows I only owed {$32000.00} ( Attached ), *****Why is XXXX  collecting {$51000.00}??? ********* They have a Chargeoff of {$32000.00} and a balance of {$19000.00}. THIS IS FRAUD! 

CFPB needs to get involved and penalize Equifax for allowing false entries for it's favorite customers. This is my 7th dispute!!!! I have a right under the law to have anything reported on my Credit Report to be reported 100 % Correctly. After 7 months of Fraud I still do not have resolution. Therefore under the LAW, this entry must be legally removed from my Equifax Account, or face prosecution for damages to my credit history. XXXX has already removed from my report and reported the fraud. Equifax is committing fraud to please its paying customers REMOVE THIS ACCOUNT AS IT IS FRAUDULENT! WHAT DO YOU NOT UNDERSTAND BY MY ATTACHED RECORDS? EQUIFAX- OBEY THE LAW! 

REMOVE IT, NOW!
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (OH)

My XXXX account was hacked on XX/XX/2023. The criminal, who's name appears to be a XXXX XXXX, used the saved credit card on file to repeatedly purchase {$50.00} gift cards. After XXXX successful transactions, Citi, my credit card company, locked my account for suspicious activity. As soon as I had a chance I disputed the charges. Citi issued a temporary credit and opened an investigation. On XX/XX/2023 I was contacted by Citi asking for additional information. I filled out all of their forms and returned them as instructed. I was just informed that the credit was reversed. The real criminal aka XXXX XXXX is still out there trying to access my account. They try to log in numerous times every day. This should have been an open and shut case with a quick and permanent refund. XXXX won't allow me to request a refund and Citi is taking their refund back.