davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AR)

Equifax has been reporting information on my credit report that is incorrect. All information should be accurate across all bureaus and I have asked for proof of accurate accounts and every letter that has been sent has not been addressed. When I called they stated that the information was verified. I asked for them to send me the information where it was verified and had my signature that I opened the account or something to prove the debt was mine. I have yet to receive anything and its been months. Ive asked to have several accounts removed form my credit report because to be honest and fair we all know they could not verify anything so they used a stall tactic but not responding period will not be tolerated.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I HAVE SHOWED MY POLICE REPORT FROM WHEN I HAD IDENTITY THEFT ALL MY INFORMATION WAS STOLEN THIS MAKES THE XXXX TIME I HAVE UPLOADED MY DOCUMENTS TO EXPERIAN AND I WAS TOLD THE MATTER WOULD BE TAKEN CARE OF BUT THEN IT CHANGED AFTER I CALLED TO CHECK ON MY DOCUMENTS WHEN I WAS TOLD TO GIVE IT 24 TO 72 HOURS.I WAS THEN TOLD THAT I COULDN'T GET IT OFF DUE TO MY COURT ORDER AND POLICE REPORT AS WELL..THE CREDITOR IS NATONAL CREDIT SYSTEMS. BUT THE ISSUE IS WITH EXPERIAN AS WELL..
Consumer complaint received 2023-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (AZ)

I attempted to call my student loan servicer in order to get info about the SAVE repayment plan and their part of the application as I have just been laid off from my job and would like to work with them on sorting out my payments. I was put on hold for over 1.5 hours and my call was never answered.
Consumer complaint received 2023-11-09
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 XXXX Account # 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
Consumer complaint received 2024-03-02
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: Chime Financial Inc (CA)

Chime has not been reporting my Credit Score to the Financial Bureaus. I have a long history of using chime a my primary bank account for about 3 years. and they have failed to create a credit score for me. Applied for the Chime Credit Card on XX/XX/year> ( Email Print out Attached ) I am also attaching the documentation of the disputes filed with chime on this and they have replied with " everything is correct '' - which it is not. Because of this whole mess, I had to open up a new credit card with XXXX as an authorized user which costs {$350.00} annually. Hence I would like to get my credit score updated from by filing this disputed with XXXX, XXXX and XXXX. I also want Chime to cover the {$350.00} I had to spend to open this new account. Please find all the attached Credit Card statements that chime has not reported to the credit bureaus I recently called XXXX who said that Chime as not reported my credit score. I called chime and they asked me to take it up with XXXX. 

On talking with XXXX, they said I can't dispute something that is not there on my credit report.
Consumer complaint received 2024-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (TN)

I had derogatory marks on my credit report for years from NCB Management Services. I have never had an account or done business with this company or the company the claim to be collecting debt for.

I have asked for any proof that debt is owed multiple times over a 5 year timespan but the company just sends a letter stating that the are collection the debt from an account with a prior company called XXXX No information has ever been provided that I signed or have ever done business with either of these companies & NCB refuses to remove the info from my credit report.

To make matters even worse an unauthorized party gained access to their systems and the party gained access to my information.
Consumer complaint received 2017-09-11
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: BANCO POPULAR DE PUERTO RICO (PR)

I CALL THE COMPANY SEVERAL TTIME AND THEY SAID THAT I HAS TO CALL THE CREDIT REPORTING AGENCY AND I BEEN IN THIS SITUATION LONG TIME THIS IS A FRAUDULENT INQUIRY
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (FL)

Your Complaint : Target company : Goldman Sachs Marcus Describe your issue : CASE NAME : [ Your Name ] v. Goldman Sachs FACTS : The plaintiff has been a customer of Goldman Sachs and its Apple Card service for the past two years. 
Over the course of the past two years, the plaintiff has identified excessive charges and false information on their bank statements and Apple Card reports. 
The plaintiff has spent four months trying to resolve the discrepancies with Goldman Sachs. 
Goldman Sachs has refunded a part of the plaintiff 's claim but has not provided a full settlement for all the damages incurred. 
The plaintiff seeks a settlement for all the damages that have been incurred as a result of the billing error, which includes the excessive charges and the missing money in the XXXX for 2021.

ISSUE : Whether Goldman Sachs is liable for the billing error that has resulted in excessive charges and false information on the plaintiff 's bank statements and Apple Card reports, and if so, what is the appropriate settlement amount for the damages incurred? 

RULE OF LAW : Under consumer protection laws, financial institutions have a duty to provide accurate and timely information to their customers, and they may be held liable for billing errors that result in damages to their customers. 

ANALYSIS : Goldman Sachs is responsible for providing accurate and timely information to its customers, including the plaintiff in this case. The excessive charges and false information on the plaintiff 's bank statements and Apple Card reports indicate a billing error that has resulted in damages to the plaintiff. The fact that Goldman Sachs has refunded a part of the plaintiff 's claim acknowledges their liability for the error. 

The appropriate settlement amount for the damages incurred will depend on the severity and length of time of the error, as well as any damages that the plaintiff may have incurred as a result. The plaintiff may seek a settlement that includes compensation for the excessive charges and missing money in the XXXX for 2021. 

CONCLUSION : The plaintiff has a strong case for a settlement with Goldman Sachs for the billing error that has resulted in excessive charges and false information on their bank statements and Apple Card reports. The appropriate settlement amount will depend on the specific circumstances of the error and any damages that the plaintiff has incurred as a result. A lawyer may help the plaintiff negotiate a fair and reasonable settlement amount with Goldman Sachs based on the strength of their case
Consumer complaint received 2017-04-11
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANCO POPULAR DE PUERTO RICO (MI)

What has happened to common sense and integrity? 

I have an XXXX miles card in my name opened in XXXX 2017, through Banco Polpular de Peurto RIco. 
-XXXX, 2017 the risk control department placed a restriction on the card and requested a copy of my passport and XXXX utility bills. I requested why and XXXX explained the IT tech department can not identify my address provided on original application ( XXXX Mi. XXXX. 
( This address does confirm on my credit reports as a current address ). XXXX lied, she deliberately provided me with false information. However, I want to stress it is not XXXX fault for lying, as this is the standard procedure of Popular Banco -The truth is ; a Risk Control employee believed my account was opened as a result of identity theft. The problem is ; Some employees ( particularly the ones with a low self- Esteem or insecurities do not like to admit they were wrong. 
Further facts : 1. A risk Control employee requested I answer numerous security questions to identify me. I answered approx.. XXXX correctly and without hesitation. 
2. The email used is my email, in my name and has been active for years 3. Banco Popular de Peurto Rico 's, risk control department decided to call an alternative phone number, I did NOT authorize and not provided on my application, therefore reached a family member who I do not get along with. This family member provided the Risk Control rep. with false information, but has never provided documents to support their identity. 
4. Alternately, I have provided every document requested and more not required for the purpose of clarifying this issue immediately. 
5. As of XXXX 2017 the restriction continued although all documents have been received weeks ago. 
THIS NEXT ISSUE IS VERY INTERESTING : 6. On XXXX 2017 I contacted the Risk Control department again. They placed me on hold for 20 minutes, a few minutes later the alternative number at my home rang, but this time I am home and watching my brother-in-law who would not answer it with me around for obvious reasons. The risk control rep. came back on after the lengthy hold, I figure I would play along to see how many more lies they tell. Like clock work, the lies began again. The Rep. said another risk control agent would get beck to me later that day. 
7. Therefore, I decided I have had enough and requested a cease and desist order. I informed the rep. all future dialogue was to be done through email, USPS, XXXX. So all facts going forward where clear. I also emailed them this request. ( attached ) Additionally, since Popular Banco de Peurto Rico believes this account is or could be the result of identity theft, why are they reporting it to the credit bureaus?
Consumer complaint received 2023-04-26
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. (LA)

My XXXX XXXX account opened XX/XX/XXXX is reflecting an inaccurate late payment XX/XX/XXXX late and XX/XX/XXXX current XXXX and XXXXcurrent and later XX/XX/XXXX on Equifax and XXXX this information is incomplete and inaccurate and in inaccurate balance the bal on this card is XXXX as on my report it reflects at XXXX a I have opened a case and was told the information will be updated with XXXX XXXX  for the error on my report the case number is XXXX I have contacted their office of the president and was told that information will be updated and to contact the bureau to dispute it this makes this account incomplete and inaccurate please per FCRA RIGHTS 1 ) 15 USC 1681 ( 2 ) ( a ) ( state 's Transactions and Experiences between the consumer and the person making the report are not included in " consumer Report Please update my report as Paid never late as it violates 15 USC 1681 ( 2 ) ( a ) law by not reporting accurate and complete information
Consumer complaint received 2017-12-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (VT)

I made an account with Coinbase several years back when it was within there terms of service for a XXXX year old ( XXXX ) to become a member. Come 2 years later ( XXXX ) when I am now XXXX I logged back into my account to purchase bitcoin. I even got a joint bank account for such said purpose. I was able to transfer XXXX dollars from my bank to bitcoin and ethereum with no problems and without ever having to scan in any form of id ( drivers license, etc. ) A few days later ( 2 weeks ago ) I  edited my information to include my birthdate and then got an email from Coinbase saying that under XXXX year olds could not participate in their service. I think I am entitled to convert my bitcoin into usd and send it back into my bank account using their exchange as no id was initially required and I was not informed of the XXXX change. If I try to change my bitcoin into usd using another method I could literally lose half of my invested money in fees.
Consumer complaint received 2024-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO. (FL)

I previously submitted a complaint with Chase bank, for which they did not remove the fees associated with foreclosed proceedings. 
My acceptance day was XX/XX/XXXX Chase approved it XX/XX/XXXX Foreclosure was file XX/XX/XXXX ( after acceptance ) The rep handling the case is XXXX, her manager is XXXX. 
I talked to XXXX on XX/XX/XXXX and specifically ask her, when does the foreclosed protection starts according to Chase bank, she responded I dont know She is in the executive office and sadly that office is not aware of laws regarding protection from foreclosure. I dont know what investigation she completed cause is in contradiction of the law. 
Foreclosed proceedings and fees associated with it came after acceptance and after approval according to their own correspondence. When I have questions this they do not answer cause they can not explain. 
The specific questions for Chase bank now will be as follows and I am requesting for them to answer : 1 ) Based on dates indicated and that some of your own correspondence indicates why was my loan not protected from foreclosure on XX/XX/XXXX as you clearly indicate was the approval date. 
2 ) according to CFPB protection starts on the acceptance day. Which was XX/XX/XXXX, my file should have not been referred to foreclosure at all. I am requesting Chase to fix that mistake and if Chase is not willing to fix it explain reason why. 
3 ) you have send me correspondence indicating the dates were wrong on based on your own investigation more than once. 
I am requesting for Chase to reach out to that foreclosure dept I was advised by XXXX and for the executive office to communicate to me and to CFPB when does the protection from foreclosed proceedings start, which has to be the same as the law indicates therefore Chase XXXX not in compliance by referring me to foreclosure. I am requesting for Chase to finally fix their mistake and employee mistake as the one from XXXX where she admired over the phone she doesnt know the law in regards to protection from foreclosure. You cant assign someone that doesnt know to fix this issue cause they will continue making the mistake and by that chase bank is breaking the law when it comes to that issue. 
Here is additional info for the rep and for Chase XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I made a {$700.00} payment to my account on XX/XX/XXXX via XXXX. I received a notification on XX/XX/XXXX that the payment had posted to my account. I tried to make an {$16.00} purchase and was denied so I contacted Capital One. I was told that even though my payment had posted on the 8th my funds were being withheld until XX/XX/2023 which is bizarre because I have never had returned payment to Capital One. The FIRST gentleman I spoke to agreed to call my bank and verify that the payment cleared to release the funds. XXXX was closed at XXXX PST so he was unable to complete the verification. I called back at XXXX on Saturday and spoke to XXXX who told me completely different information that no such verification process exists and that my payment was on hold because I had several declined purchases. Well XXXX they were declined my money was on hold. Irate I asked to speak to a manager, XXXX gets on the phone and she has a COMPLETELY different answer to the last 2 gentleman. She said she has no idea why the payment was put on hold. Capital One does this to make sure that their funds clear. Its " 2023 this was an XXXX transaction not a paper check. The funds not only cleared the next day Capital One sent me a notification that the payment posted to my account. I am lived because Capital One has improperly held my payment after they have already received the money. There was no notification WRITTEN or VIA TEXT that my funds would be unavailable I had to call in to find out. What if it was an emergency?
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (TN)

Ally received over XXXX from an initiated XX/XX/2023 transfer from XXXX acct XXXX to Ally XXXX # XXXX this transfer was successful but needed 'good faith ' that cash would follow. Ally claimed not to have received the cash so in May I initiated a second ACH transfer for 10,11753 from XXXX  to Ally altho credited to my account Ally claims funds were frozen by XXXX bank. I tried to transfer again in XXXX XXXX to Ally and XXXX declared the account frozen -- according to Ally. 
XXXX did some research ( XXXX ) on account ending XXXX on XXXX and had details about the XXXX transfer and declared the money from the beginning was not frozen, not suspended by XXXX. 
XXXX has communicated several times that Ally had the XXXX from the first ACH transfer in XXXX which Ally denies, doesn't give me interest, it doesn't show up on my account until XX/XX/2023. This began in XXXX. 
Because XXXX claims they never suspended or froze my account during the XXXX transfer of XXXX and Ally claims they never got the full amount ( cash ) from XXXX due to XXXX freezing or suspending my account. 
I guess one could assume I'm confused. I began with XXXX added XXXX ( disputed ) and I should have had XXXX but after 6 months the total dropped to XXXX and that's about all I ended up with. I'm sure some went into CDs but I usually put the same amount every month. This didn't add up to that.
Consumer complaint received 2024-04-17
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)

I RECENTHY REVIEWED A COPY OF MI CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Consumer complaint received 2023-05-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MA)

In XXXX XXXX I sent ALLY FINANCIAL a letter via certified mail ( Tracking No. XXXX ), addressing concerns I have in relation to my vehicle contract and various consumer violations. In the letter, I also asked ALLY to confirm and disclose if they are in fact the Holder in Due Course of the car note in question, which would require them to address my dispute. I have attached the letter for your reference. Since ALLY never responded, on XX/XX/XXXX, I wrote ALLY regarding this matter through their online messaging portal. I was told I needed to call. However, per XXXX  and Federal consumer laws, I am entitled to a response within 30 days, which never happened.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I reached out to the company on XX/XX/2023. They advise me that they could not provide me any information on the account, as they are not longer the account holder. I requested that they remove the account as it is showing on my credit report twice and showing that I owe double the amount of money which is inaccurate.
Consumer complaint received 2023-09-25
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. (DE)

On XX/XX/XXXX, I submitted a request for an investigation regarding a XXXX XXXX acct, instead a received a generic stall tactic response devoid of any information. 
I am requesting a re-investigation of the following data that appears on my credit report. On XX/XX/2023, your company responded and stated that the data which appears below is verifiable and therefore can not be deleted. You have failed to reveal the method or any documentation of stated investigation. At this time, I ask that you provide all supporting documentation and information on how you arrived at that conclusion. This is my request and right under FCRA 611.
Consumer complaint received 2024-07-06
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. (CA)

I made 2 Hotel reservations on XX/XX/year>. I cancelled both of them within 1 hour of making them. Both XXXX XXXX XXXX XXXX XXXX automatically charged my Credit Card. However, right after the charge went through, their web site indicated that both reservations were cancelled. I emailed them to the billing / alerts in disputes email of Citi XXXX XXXX XXXX and was credited the charges back. However, on XX/XX/year> I got all charges back onto my credit card. When I called them and talk with XXXX, their representative, I was advised since they did not recieve any info from Hotels or from me, they reverced my charges and made me responsible for the charge. I asked to talk with the managXXXX but was hang up on. I emeiled same Reservation Cancellations back to them again ; called 2nd time and talked with XXXX and again was hang up, while requestwed to talk to the manager. I emailed again the Cancellations proof to the Billing disputes and automatically got reply that they got it. However, as of XX/XX/year> the charges are still on my account
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act 05 XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have a 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.