davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (MA)

There are 4 paid collections on my report that do not reflect this change. There is another collections account for {$620.00} for an account I have no knowledge of. Of the 4 paid collections, one was represented by a XXXX XXXX XXXX in XXXX, NH. They told me they will never remove the information from my credit report even though the account was paid in full. The debt collectors say they worm for a lawyer but I never spoke to an attorney who should have advised me of my rights. I did not know about a court date either. But the account is paid in full. 4 of 5 collections are paid in full
Consumer complaint received 2023-11-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (GA)

I received a Welcome letter stating that if the account isn't paid within a specific time, it will be posted to my credit. I went online to set up payments but was never told I could dispute this. So now, since I've made two payments, the company has posted this debt and states it won't be removed until they receive all fundsdeceptive communication practice.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (MI)

On Tuesday, XX/XX/2024, I made a payment to my Apple credit card. Later that morning, I decided to send my neice {$50.00} and went into my Apple wallet instead of Apple Cash. Somehow, I mistakenly made a payment to my Apple card again. Within 10-15 minutes I looked up how to cancel a payment and received the following texts ... " Thanks. Just a moment while Goldman Sachs reviews your request. '' and We're experiencing longer wait times. An Apple ayment and did that through my Apple wallet. I received a message from Apple stating, " We're experiencing longer wait times. FAn Apple Card Specialist will be with you in about 1 hour 20 minutes. If you aren't able to wait, type Exit and tap send. I did not wait. I immediately called Apple/ Goldman Sachs representative and was told that the payment could not be seen, therefore there was no way to check it, but that could mean that it would not go through. 
The payment did go through and now my bank account is- {$1400.00} and I am being told that there was no error on the part of Apple therefore they will not reverse the payment. This is wrong and I need my 2nd payment reversed.
Consumer complaint received 2024-05-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

After checking my credit report and seeing information from this company stating that I owe them, I contacted the property by phone and was told there are no records on file for me so I mailed out a letter to the debt collector asking for validation of the debt in writing and this has not been provided to me. Their lack in proof shows that this is not my debt and needs to be deleted from my consumer report as it is fraudulent.
Consumer complaint received 2023-09-24
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc. (CA)

I returned a defective laptop and was not given a refund, despite having obtained an XXXX from the merchant. I started a dispute with the store credit card issuer but the card issuer first claimed the return had not been received ( flying in the face of the merchant 's written admissions of receipt and XXXX 's delivery transcripts ), and then claimed I had already been refunded for my return ( on a date preceding my actual order date ). Card issuer is giving me the runaround and ignoring the facts of my case while adding insult to injury. Please find enclosed my full correspondence with the merchant and the card issuer. 

Company : Bread Financial/Comenity Capital Bank XXXX XXXX of XXXX & XXXX XXXX Credit card Date of First Contact : XX/XX/2023 Synopsis of First Contact : Provided detailed evidence of returned defective merchandise, along with merchant 's return receipt. Comenity responded on XX/XX/2023 alleging merchandise was yet to be received - ignoring all FedEx tracking results enclosed, together with merchant 's own admission of return receipt. 
Date of Second ContacXXXX : XXXX Synopsis of Second Contact : Provided additional evidence including but not limited to merchant 's stated intent to liquidate returned merchandise without refunding consumer. Comenity responded on XX/XX/2023 referring to a past credit predating the actual purchase of the merchandise subject to the dispute as having somehow satisfied this refund request. 
Merchant : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Transaction Date : XX/XX/2023 Transaction Amount : {$6500.00} Disputed Amount : {$4300.00} ( balance remaining after partial credit of - {$2100.00} voluntarily issued by merchant on XX/XX/2023 )
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-03-13
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: CCS Financial Services, Inc. (NC)

On XXXX, 2021 a collection from credit collection service was reported to my XXXX credit and I believe it is a fraudulent account after man attempts to get it remove XXXX still hasnt removed it claiming it has been verified but I dont believe it has can you please look into it
Consumer complaint received 2024-05-06
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: CITIBANK, N.A. (OR)

On XX/XX/year>, A fraudulent charge of {$87.00} was made to my account. I notified Citicard & they reversed the charge. On XX/XX/year> I rec 'd a letter stating that " merchant provided documentation confirming merchandise was delivered to my home address '' & that they were reversing the credit. I contacted the disputes department many times to argue my case but nothing happened. I finally wrote to the Consumer Service Team with the following information : This company " XXXX XXXX XXXX XXXX '' sells Specialized parts for mountain bikes on line. I pointed out that I'm a XXXX XXXX XXXX woman! In addition the 'confirming documentation ' shows the following : " Delivery date : NOT AVAILABLE, and XXXX : N/A, There was no delivery. On the basis of this evidence, on XX/XX/XXXX they credited my account for {$87.00}. HOWEVER, they failed to remove the interest and penalties that had accrued since XXXX. The balance is now over {$110.00} & increasing by over XXXX  XXXX. And because of this 'non-payment ' my XXXX XXXX has gone down over XXXX points. There should have been no late payments or fees while the purchase was in dispute, and it should not have been reported to the credit bureaus as late payment.while in dispute.
Consumer complaint received 2023-06-22
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. (OH)

My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-20
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. (AR)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are reporting a different information from other bureaus. This account was never late and I always make my payments on time. This account is only reporting as late in your bureau. If your record keeping had been accurate, this account should have never been late. Per FCRA, reporting of account information must be accurate ; I need this account updated immediately. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are reporting different information from other bureaus. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Per FCRA, reporting must be 100 % accurate or the information must be updated.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2023-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (NV)

I Had noticed unauthorized XXXX transfer going out of my Chase account. But due to work, the time frame i get off and the fact i had to go directly to chase rather then call i had to delay my visit. I even asked if i could block or stop any XXXX and was told i couldn't and i would have to come in. After reviewing my account, i had multiple XXXX transactions that i did not make, They occurred right after i got paid, within hours i believe, since on my paydays i would wake up and my money was already gone. They were all made to a XXXX who i 100 % do not know. i will include the letter that chase responded with after i filed my claim. It includes all the dates of transactions to XXXX. It is obvious that i wasn't the one sending out all this cash right after getting paid, even the most recent one on XX/XX/XXXX left my account in the negatives by around {$300.00}. The reason they said they couldn't help me was because every transaction was made from my device, which i will state clearly that i did not authorize any transactions to XXXX, and that they couldn't prove it was fraud.I believe my phone was hacked or something happened that allowed someone to get into my account, which i have now done a full factory reset to fully wipe everything on it.
Consumer complaint received 2024-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (LA)

I recently found out I was scammed, I contacted XXXX XXXX XXXX XXXX XX/XX/XXXX regarding a wire i made on XX/XX/XXXX to Citibank XXXX XXXX XXXX XXXX XXXX, NY XXXX for {$19000.00} that my scammer wanted me to send to his accountant. XXXX XXXX XXXX XXXX contacted Citibank in New York to notify this was part of a scam/fraud. Citibank responded back XX/XX/XXXX that they would have to wait until they hear from the member to return the money.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MS)

Several times in XX/XX/2021 I contacted them by phone calling to address my report had in inaccurate information on it. EX : accurate address on report only. EX : not showing my student loans or reporting them. EX : tampering with score. EX : denied applications. EX : denied apartments. EX : denied auto loans. EX : denied rightful EX : Im Currently Homeless
Consumer complaint received 2023-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (IA)

A credit card application was completed and a hard inquiry was made on XX/XX/XXXX by JPMCB CARD SERVICES and again on XX/XX/XXXX by JPMCB CARD SERVICES. At the end of XXXX I received a credit card in the mail " chase sapphire ''. I never applied for this credit card. I called chase and they cancelled the card.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (NY)

LexisNexis receive Money and Compensation from XXXX XXXX XXXX by providing XXXX with a Credit Report on me. XXXX after receiving the Credit Report from LexisNexis then denied me Automobile Insurance. 

Although LexisNexis knew who I was and everything about me when they received Money and Compensation from XXXX XXXX XXXX and provided a Credit Report on me to XXXX, LexisNexis now sas they do not know me.

LexisNexis refuses to give me a copy of any and all of the documents they gave to XXXX XXXX XXXX. 

The Federal Consumer Financial Protection Bureau is a failed agency with failed Management and failed Management Policies that accept any ridiculous responses from Lexis Nexis, then closes the cases of Consumers with no help or resolve and thereby allows LexisNexis to break the Federal Credit Laws of the United States.
Consumer complaint received 2023-08-05
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (NV)

My mom got a call from XXXX XXXX XXXX advising her that they will send a complaint to the court for felony fraud for a pay day loan I took out in XXXX with check n go. My mom called me worried gave me a XXXX and a number to call .I called XXXX he said he is with XXXX  and said he will have the lawyer 's from his company send off a complaint with the state of nevada for fraud for a checking account I closed in XXXX, in which stopped check n go from collecting payments. I got scared because I have a high risk XXXX. I paid XXXX {$400.00} towards a {$810.00} loan for check n go. I called check n go to confirm they sold the debt to XXXX XXXX XXXX Check n go advised me no and gave me the name of the collections agency that they sold the debt too which is XXXX XXXX. Check n go advised me to reach out to XXXX XXXX to settle the debt. I called XXXX XXXX spoke to XXXX, she advised me they bought the debt the date and year and they still have the debt. I told them about XXXXXXXX XXXX XXXX they advised me that they don't know who this company is. I want my refund back for {$400.00} and I don't want this company contacting me or my Mom again and I don't want them attempting to withdraw any more money from my debit card. I'm working with XXXX XXXX to take care of this debt.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NJ)

We had linked our credit card to the XXXX app. Over the past ~6 months, we have been conducting some personal tansaction on XXXX that got charged to our credit card. 

What we discovered in our credit card statements is that Chase was charging an addition {$10.00} minimum transaction fee per transaction. 

We were not notified of this by Chase similar to how we would be notified of a cash withdrawal fee for transactions at certain non-Chase ATMs. 

The {$10.00} minimum fee is something we were unaware of and I would argue Chase has not provided sufficient notification of. They should be providing a notification before any transaction similar to what's done at non-Chase ATMs. I'm sure it's buried in contractual terms from Chase but that is not adequate notification. 

I also find this {$10.00} minimum transaction fee quite excessive and would characterize it as gouging their customers. What is the basis for such a high minimum? Chase needs to clarify why such a high fee is needed and how this is not taking advantage of customers.
Consumer complaint received 2024-05-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (CA)

I am writing to formally request your assistance with an urgent issue I am facing with my mortgage servicer. I was confirmed as a successor in interest before the mortgage was transferred to the current servicer. Following this transfer, I have encountered significant difficulties in applying for the CalHFA XXXX support program, an essential resource designed to prevent housing instability during these challenging times. 

Specifically, the servicer has repeatedly asked me to resubmit paperwork, thereby hindering the processing of my partial claim. This has not only delayed the reinstatement of my mortgage but also jeopardized my eligibility and access to needed financial support. Since the inception of the XXXX program, I have made continuous efforts to comply with all requirements, yet the servicers errors and delays have created unnecessary obstacles. 

This situation is causing me immense distress and is reflective of broader systemic issues that contribute to homelessness in XXXX. As a widow with limited financial means, I feel that the servicer 's actionsor lack thereofhave disproportionately affected my ability to secure my housing situation. 

I urge your agency to investigate this matter and to facilitate a resolution that will allow me to correct my loan issues promptly and reopen my denied case with XXXX. Your intervention is crucial in preventing potential homelessness and ensuring that the rights and dignity of individuals like myself are upheld. 

Thank you for your attention to this critical matter. I look forward to your prompt response and assistance.
Consumer complaint received 2023-10-28
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. (NY)

I am receiving information on MY loan solely through disputes & credit reports. XXXX refuses to notify me of a seriously delinquent account & found out through searching on my own. The information I receive is INCOMPLETE, INACCURATE & totally unfair & a violation of my rights! 

This time, PLEASE focus on providing me with 24 months of COMPLETE payment history & send to MY address.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (LA)

I have a bankruptcy on my credit report that does not belong to me. I would like the account and move on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I am in the process of buying of buying a XXXX. I received an email from my attorney with wire instructions for closing. The email had the address of the unit to be purchased. I wired the money, on XX/XX/XXXX. I sent a confirmation of the wire to my attorney and did not hear back. A few days later, I received an email stating that the title company had not completed the closing paperwork, so they were sending the money back. The money has still not shown in my account. I sent an email to my realtor and my attorney that the money still wasn't showing in my account as of today XX/XX/XXXX. My realtor said something was not right. Then my attorney called and said she had never wired me instructions. On further examination, the original email used my attorney 's name and business info, but was not the same email address. The emails had all of the the accurate information regarding the unit I was to purchase as well as the correct closing costs.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NY)

Chime financial closed my account back in XXXX and mailed me a bad check that XXXX XXXX XXXXXXXX told me they couldn't cash. 
I requested a new valid closure check and in XXXX they told me they mailed it out and it would take 14 days which I never received then in XXXX they told me they mailed out again which was never sent then at the end of XXXX they told me they would expedite a check to me which I should recieve in 3-5 days which I never received. I also requested them to send me my statement because my balance was off and they said they would email it to me which I never recieved