davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
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: AMERICAN EXPRESS COMPANY (WA)

This is regarding American Express chargeback dispute XXXX and I already provided American Express with the return tracking which shows the merchant signed for the return and received it. 

I am not sure if American Express chargeback team is being incompetent here or just XXXX against me because I am XXXX and this XXXX and I am disputing with is run by XXXX males. The issue is that I RETURNED the damaged product I received. First off I shouldnt have to pay for a product that arrived damaged. Second off I RETURNED it right back to the merchants address. The merchant have me many options to return including dropping it off at one of their satellite / other local stores etc. I paid for my own return shipping and had it returned to the merchants store address and XXXX tracking shows it was signed for by the store itself so there is NO dispute the store has it back. The store has lost the return since its been almost a month since it was delivered to them returned to them. I am owed my full money back for this order. 

This is regarding American Express chargeback dispute XXXX and I already provided American Express with the return tracking which shows the merchant signed for the return and received it. I also provided the return label which shows the merchant address was where it was shipped back to. I am owed my full money back for this return of the damaged product.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (AL)

I have tried on numerous occasions to get Lexis Nexis to remove the security freeze from my XXXX Credit Report. Every single time, they send me a letter, wasting my time. Telling me that they can't read my driver 's License. 

This company is failing to comply with Federal Regulations that mandate that Credit Reporting agencies make it easy for consumers to freeze and unfreeze their reports. 

This is the final straw and the last bit of patience that I have with Lexis Nexis. Quit wasting my time and contact me. I want this report unfrozen and I never want to have to deal with your sorry organization again. 

You've been interfering with my ability to open a savings account with XXXX XXXX  for 2 YEARS!
Consumer complaint received 2023-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/2023 a check was deposited into my account at an ATM. After my check was deposited, a 10 day hold was placed on the funds and it stated in my account the date my funds would be available. Before the date of the availability my account was locked, preventing me from accessing the money that was already in my account. When I called Chase to fix this issue they stated they would unlock my account after submitting a number to verify the check from the person whod written the check. When provided the number they stated they could not verify it in the system ; although the owner of the company had the phone number going on 5 years. Now they are saying the company has to cancel the check in order for access to my account. The check hasnt returned or anything. I just want access to my funds.
Consumer complaint received 2023-05-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (GA)

Excessive nsf fees on accounts Previous address XXXX XXXXXXXX XXXX XXXXXXXX, ga XXXX XXXX XXXX XXXX ga XXXX XXXX XXXXXXXX XXXX XXXXXXXX ga XXXX
Consumer complaint received 2024-05-01
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 (MI)

I purchased a washer and dryer from XXXX using my apple credit card through Goldman Sachs on XX/XX/year>. The dryer did not work, is defective. I contacted XXXX for a refund and was told I had to contact the manufacturer due to their return policy of 48 hours. which is XXXX. XXXX did not honor warranty.. Both washer and dryer was delivered on the first available date which was XX/XX/year>, which was after the return policy window. I contacted Goldman Sachs to dispute credit card transaction on the dryer due to if not working. I tried resolving the issue and have filed 3 disputes with Goldman Sachs and have made several calls to XXXX,, still not resolved. I paid XXXX for the dryer which is defective and I am asking for the money to be credited back to card. Goldman Sachs denied all 3 disputes which I submitted proof of purchase, the receipt which has the date of purchase.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (VA)

When I make a payment in full to my Apple Card, my payments are being credited, and not posted for over 7 days. I had two payments returned on 2023 during a time when our XXXX  daughter was having a XXXX XXXX XXXX. Since then I have not had any payments returned. Goldman Sachs is not willing to provide hold policies or release my payment. I believe I am being unjustly impacted. I have used the same bank account for our payment and have not changed it.
Consumer complaint received 2023-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NC)

I tried to log into my account to pay my bill. When I logged in I was not provided my phone number to get my access code texted to me. I called and they said I had a different number on file I said that is impossible as I had same number for over 15 years and I used the same number every time I previously logged in and was sent an access code to my number XXXX. I am concerned that they have no records of my number so i question their record keeping. They were unable to look at my historical records and verify the number. The verbally gave me a compeletly different number and refused to do anything so I said I'll get CFPB to look into this as there is a problem with their record retention, which is a CFPB offense. I request CFPB inquire Chase Marriott Bonvoy on first how my number was changed without my authorization and how they lack the records to verify historically the number that was provided to access my account in the past. I have attached a screen shot from my phone to confirm.
Consumer complaint received 2024-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AR)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUNCOAST CREDIT UNION (FL)

Subject : Formal Complaint and Request for Compensation under the Fair Credit Reporting Act ( FCRA ) I am writing to file a formal complaint and request for compensation under the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer governed by 15 U.S.C. 6802. I am exercising my rights under the FCRA to opt out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I may have previously given to your company.

Furthermore, I wish to address a specific violation of the FCRA regarding the reporting of my information to a non-affiliate without my explicit consent. This action constitutes a breach of my privacy rights and requires immediate corrective action.
Consumer complaint received 2021-03-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (MI)

XX/XX/2021 - I applied for a mortgage with Loan Depot - Talked to XXXX XXXX NMLS # XXXX and XXXX XXXX. I requested a loan estimate many times and was finally refused one until I agreed to move forward with Loan Depot alone. I have emails to prove it and will forward them upon request.
Consumer complaint received 2023-09-21
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. (GA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (WY)

I make slightly more than half a payment every two weeks. I have done this for years. XXXX XXXX automatically deducted the payments from my checking account and applied the payments for 8+ years. In XX/XX/XXXX, XXXX XXXX sold my mortgage to Mr. Cooper/Nationstar. Mr. Cooper/Nationstar requires one month prepayment and an onerous agreement signed/notarized to do this simple task. So, I just make my payment every two weeks on their web-site, with clear instructions as to where I want the extra to go ( principal/escrow ... etc ). This worked fine for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX they only applied one payment to my loan and tried to tell me I was late. I used their web-site to email and chat with them and I suffered through their horrible automated phone system at least 5 times to get it sorted. It took until XX/XX/XXXX to fix. Here we are, XX/XX/XXXX and they haven't applied both payments. The XXXX payment was made XX/XX/XXXX -- so they have had plenty of time to do this. 

The best resolution would be for them to sell my loan to someone competent. I did not like XXXX XXXX, but man-oh-man, do these clowns make them look awesome!
Consumer complaint received 2023-09-20
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. (OH)

I am writing to seek your urgent assistance in addressing a critical issue I have been facing with my credit report on the Experian website, which has severely impacted my FICO score. 

On XX/XX/XXXX, I observed an abrupt and unexplained drop in my FICO score on the Experian website, plummeting by XXXX points, from XXXX to XXXX. Disturbed by this significant reduction, I immediately sought to identify the cause by reviewing the information provided on the Experian website. To my surprise, the website indicated that one of my accounts had been reported as 60+ days past due. However, it did not specify the name or details of the account in question. 

In my attempt to resolve this matter, I promptly downloaded my detailed credit report from the Experian website to investigate further. To my relief, I discovered that all of my accounts were, in fact, in good standing, and there was no evidence of any overdue payments. I want to emphasize that I have never missed a payment on any of my accounts throughout my financial history. 

Despite my repeated efforts to dispute this inaccurate derogatory entry with Experian, I have encountered significant hurdles. Experian 's response has consistently been that they can not assist me because the credit report does not specify the account responsible for the past-due status. This has resulted in a frustrating cycle of unproductive interactions, leaving me with no viable means to have this erroneous entry removed from my report. 

To verify the accuracy of this derogatory remark, I cross-referenced my credit information with XXXX and XXXX, both of which confirm that there is no such entry on their reports. My credit scores with these agencies remain excellent, consistently above XXXX, with all accounts reported as being in good standing. 

Given the substantial adverse impact this inaccurate derogatory remark has had on my credit score, I urgently request your intervention and assistance in rectifying this situation. The unjustified decline in my creditworthiness has far-reaching consequences, including potential difficulties in obtaining financing or other financial transactions. 

I am more than willing to provide any additional documentation or information necessary to facilitate a prompt resolution to this matter. Your intervention in helping me navigate this issue and ensure the removal of this erroneous entry from my Experian credit report would be greatly appreciated.
Consumer complaint received 2023-05-06
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: M&T BANK CORPORATION (MI)

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX you are in direct violation of the fair credit reporting act ( M $ T bank acct. XXXX ) has violated several of my rights 15 U.S.C 1681 section 602A. clearly states that i have the rights to pricacy.

15 U.S.C 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 16668 : A creditor may not trat a payment on a credit card account under an open- and consumer credit plan as late for any purpose.

remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-03-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Have had several reps being disrespectful asking how I manage to pay my other bill and can't pay this. Said if not paid will take me to court and wage garnishment. This would definitely not come off my credit report. Asked to original contract with wet signature, original payment history, and purchase of assignment and was told they could not give this because not in file.
Consumer complaint received 2023-03-13
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)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX Account number : XXXXXXXX XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX DEPTEDXXXX Account number : XXXX DEPTEDXXXX Account number : XXXX DEPTEDXXXX Account number : XXXX DEPTEDXXXX Account number : XXXX DEPTEDXXXX  Account number : XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-08-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BB&T CORPORATION (KY)

I went to BB & T Bank on XX/XX/2018 to cash a check payable from a BB & T business customer checking account. The manager said they didn't have enough cash to cover the check amount and offered a small partial payment of cash and a cashier 's check for the remaining balance which was the majority of the amount of the check. The manager did not offer to aquire the cash needed to pay the check from BB & T. The manager did not offer to set up an appointment for me to receive payment for the check. I was also offered the option to open an account at BB & T but I was informed I would be charged {$50.00} if I withdrew the funds and closed the account within 90 days. I have a check on a BB & T account in good standing and yet BB & T did not offer to aquire the funds to pay it. I have a piece of paper with numbers on it and BB & T has my money.
Consumer complaint received 2024-05-06
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (FL)

I took out private loans with then SallieMae which now is Navient for my time at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from XXXX for a XXXX XXXX As of recent news with The Biden administration announcing XX/XX/XXXX that the Department of Education ( ED ) would automatically forgive all remaining federal student debt for people who attended any XXXX XXXXXXXX XXXX between XXXX XXXX, XXXX, and XXXX XXXX, XXXX. Navient knew what type of schools they were going to be working with when they agreed to provide loan services for the XXXX XXXX and their parent company XXXX XXXX XXXX ( XXXX ). Investigations from these states found that the XXXX XXXX and former owner XXXX XXXX XXXX ( XXXX ) misrepresented job placement rates, post-graduation salaries, and job opportunities for graduates during a nearly 14-year period.

I have reached out to Navient before when XXXX  closed their doors late last year to have my loans discharged and they told me that since I was not enrolled at the time of closure I did not qualify. Currently on an income based payment plan so I didn't go into default but now as these companies are being exposed and found of the predatory tactics they used to feed off young individuals including veterans such as my self for profit and committing fraud against service members of the military. Here is my private loans listing from Navient as of today XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Owner NAVIENT XXXX XXXX XXXX Disbursement Date XX/XX/XXXX Original Principal {$14000.00} Currently Owe {$80000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Owner NAVIENT XXXX XXXX XXXX Disbursement Date XX/XX/XXXX Original Principal {$20000.00} Currently Owe {$72000.00}
Consumer complaint received 2018-08-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Columbia Recovery Group LLC (AZ)

This company has not responded to the original complaint I filed through CFPB in XX/XX/XXXX. Yet, since then they have updated my credit report several times, increasing the balance every single time. Everytime I have had it investigated through XXXX, they respond to XXXX stating they have " corrected the balance ''. They never actually " correct '' the balance, they add bogus charges and it passes XXXX 's dispute process because they claimed they've corrected their error. 
This is such a fraudulent, conniving and manipulative practice and I can't believe they are still getting away with it.
Consumer complaint received 2023-10-09
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. (MI)

approximately 2 months ago XXXX XXXX  appeared on my credit report as an account in collections ... .. they seem to be representing charter communications and saying that I owe {$600.00}... I disputed this debt because I have no knowledge of it and was never sent any type of bills...
Consumer complaint received 2023-10-28
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. (NY)

I don't know these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-11
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$250.00} XXXX XXXX Balance Owed : {$8300.00}
Consumer complaint received 2023-12-21
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation (CA)

On XX/XX/2023 I submitted a promissory note/application ( s ) and received no fair exchange. As Holder in Due Course of the note I have a right to the line of credit requested. Onemain Financial Holding is illegally trading and selling my security ( s ).