davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-02
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania, XXXX ( XXXX ) XXXX Dear XXXX, XXXX, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : Capital One Amount : SHard Inquiry Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I am disputing this claim due to : The reason being I have no knowledge of ever applying to any of these creditors This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed mav be additional evidence to support my claim. 
Sincerely, By XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Foursight Holding LLC (GA)

FourSight Capital has received a payment in the form of a credit for the amount of {$2800.00} on XX/XX/2022. This payment was verified and credited to the account. I requested that the payment be applied as a normal payment. FourSight Capital has refused to apply the payment to both the principal and interest balances and will not code the credit as a payment to the account. FourSight Capitalan has fraudulently reported an incorrect late payment after receiving a payment.
Consumer complaint received 2023-06-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (NV)

Zelle charged me twice when sending rent to my landlord. Rent this month was {$1100.00}, and when I sent it there was a separate charge of an additional {$1100.00}, which put my bank account into an overdraft of around - {$700.00}. I contacted XXXX and they said there is nothing they can do as it is an issue with Zelle themselves. This is a HUGE breach of trust as XXXX owns part of Zelle and the service is plastered all over their app. I don't know what I am supposed to do, as the remaining money in my account was to be used to feed myself and pay the month 's remaining bills. Now I will incur many more late fees because of this egregious failure to refund their customers who use one of THEIR PRODUCTS. I will be switching banks. I would like to add that I hope a class action lawsuit results from this and that I will most certainly take part. The amount of emotional and financial damage this is causing me is unbelievable.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

I have a capital one that appears on my credit report in a negative way because they locked my account because I changed my phone number and could no longer login for my payments and didn't take my state ID as verification to unlock my account no payments were late prior to the change of my phone number, I also have a XXXX XXXX on my account that's from 2018 that's not mine. I can't get a loan because of it.
Consumer complaint received 2023-06-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: GOLDMAN SACHS BANK USA (WV)

On XX/XX/XXXX th we were wanting a estimate for a furnace since we were having problems with ours nickle and diming us to death.. Plus the fact it was almost 30 years old..Had a company come out to our home diagnose the problem. Said it would cost between XXXX XXXX dollars to fix when my wife found the same piece for XXXX at XXXX. Said they couldnt do it that way that we had to go thru them. Anyways my husband asked for a estimate on a new furnace and the guy said he had a guy he works with that could help me A hour later this guy shows up asks my husband if he could measure furnace, and comes sits at our table with laptop. Asks my husband 4 questions. NamebirthdateSocial and when he got to social my husband says listen buddie. Im old school. I need paper work In Front of me.. and asked for address.. The salesman says that he sent the link for paperwork while telling my husband he needed his signature on a black computer screen and again my husband said youre going to fast for me. SLOW DOWN. asked why the signatures and he said just chicken scratch right here one for credit check and again my husband said I dont need a credit check I have good credit and the salesman said he needed to check it to get us the best possible price he could and the other signature was us allowing him in the home to do it He never sent the link and we told him that. My wife asked him to resend it and we told him we had a printer and we would print it and make a decision at a later date. He immediatley got up. Said he had another meeting and would send us link when he got back to his office.. Never happened. What he did do was open a LOAN IN MY HUSBANDS NAME WITH THE INFORMATION HE GOT FROM HIM WITH A COMPANY CALLED XXXX NEVER AUTHORIZED THIS LOAN AT ALL AND HE OPENED IT FOR 10 years and 127 payments which means XXXX XXXX $ in interest. My husband started getting emails from a company named green sky, which we have never heard of in our life didnt answer them or open them because he thought it was spam after the fourth day he decided to open it because it was kind of a nasty email and thats when he found out that he had a loan open in his name without his authorization.
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica (NY)

my XXXX payments are made on my direct express XXXX. as, I was issued a new card ; around XX/XX/23. my XX/XX/23 payment was made on my old card. after, receiving my new card, my old card would not work. every time, I call direct express ( XXXX ).. I get a recording, telling me to " call back later ''. how can I get my XX/XX/23 payment?
Consumer complaint received 2023-06-02
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: NCB Management Services Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX You are in Direct Violation of The Fair Credi Reporting Act ( XXXX XXXX XXXX XXXX XXXX, XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602. A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : il aiso states a consumer reporting agency can not furnish an account without my writlen instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-06-02
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: CL Holdings LLC (PA)

CEASE AND DESIT VOLENTI NON FIT INJURIA to a willing person, it is not a wrong JEFFERSON CAPITAL SYSTEM company this is a written request for you to cease and desist all forms communication with me effective immediately. 
12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Furthermore you have no jurisdiction or authority to collect on this allege debt.

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.

volenti non fit injuria Volenti non fit injuria is Latin for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine.

You JEFFERSON CAPITAL SYSTEM knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON Volenti non fit injuria Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
Consumer complaint received 2021-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC (AZ)

On XX/XX/XXXX at XXXX XXXX, I received an email from " XXXX '' telling me to create an account on line to manage my " account. '' I thought it was phishing, so I ignored it. ( email attached ) At XXXX I received an email stating I was approved for a loan in the amount of {$1600.00} and " the money is on its way! '' I ignored it thinking it was also phishing. ( email attached ) I never applied for a loan with this company. I never received any money from this company. My credit monitoring agency has no record on my credit report or record of this company. 

Some time around XX/XX/XXXX I received a letter from a debt collection company, Direct Recovery Services, seeking to collect {$1700.00} on my " account '' with XXXX XXXX XXXX. ( copy of letter attached ). I have not contacted this company. 

I understand that this may be a bogus operation that creates false loans based on publicly available information. It then sells the loans and the loan purchaser tries to collect. See XXXX XXXX XXXX XXXX Or, it may be identity theft. 

I do not want my credit affected by this bogus loan. Could you please assist?
Consumer complaint received 2023-06-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

On XX/XX/23 a check was deposited for {$4900.00} because I received a job offer and the check was supposed to be used to purchase equipment thats what I was told. Once the check cleared and the money was made available I transferred {$1000.00} x XXXX ( total of {$2000.00} ) through XXXX from Citibank for a purchase of equipment on XX/XX/23. Then on XX/XX/23 we were notified that the check of {$4900.00} was a fraud and we lost {$2000.00}. If the check did not clear and the funds were not made available then the transfer would not have happened and I would have known that its a fraud. Since the check was a fraud and we already made the transfer of {$2000.00} I lost {$2000.00} of my own money which wouldnt have happened if the check was not cleared and I was made aware it was fraudulent. I have filed a complaint with Citibank and appealed it. I have provided them with all the information that I have for their investigation and I have called numerous times to find out if they received the information that I have sent over through fax and mail and no one is able to answer if they received the information and yet I have been denied a refund/claim. Im not sure how they are making a decision if they dont know they have all the information to do so. I am not able to talk to someone that makes the decision only the representatives and supervisors when I call Citibank they state they can only email or send a message over to the back office where decisions are made regarding frauds and investigations but dont know about if the paperwork I sent has been received which I was told to send over and have had to pay for. I have asked for all the information that was used to make a decision and I should receive it soon hopefully.
Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

In XXXX we purchased a timeshre with XXXX, i paid XXXX dollars on my debit card and XXXX dollars cash. 1 week later we decided not to keep the timeshare and cancelled it. We were told it was cancelled and would recieve a full refund. On XXXX a payment fro XXXX dollars was taken out of the account for the timeshare. At this point we made a dispute for both transactions adn got a temp credit from USAA for XXXX and another for XXXX several days later XXXX gave us a credit fro XXXX dollars and said that this was for the deposit that the remianing XXXX would be credited back once they recieved a tablet they gave us and told me that the payment fro XXXX was never issued to them. They sent me a statement where it shows they recieved the payment and same day the funds where pulled back.I told the bank thatthey had the dispute worng and that the refund recieved was indeed for the deposit as XXXX didnt recieve the XXXX paymnet. They said they would update the dispute and i had to wait. after several weeks of back and forth and me calling every week they went ahead and closed my case. The bank is sayign that the XXXX dollars recieved by XXXX were for the monthly amount taken in XXXX and that the payment made fro XXXX could not be disputed as it was past the 30 days. I am still short XXXX and the bank says its not on them.
Consumer complaint received 2017-04-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (WI)

I have a lemon car, went to arbitration and won a replacement car. I have told my bank several times about this issue before I went to arbitration. Ally financial is my finance. I get the run around refusal to talk to a manager, each time they claim they ca n't hear me, my phone is breaking up, no manager or the people I need to talk to is available. The dealership sat on hold for over 2 hours with them yesterday, and I sat for over an hour. They wo n't tell me what my original loan amount was and refusal to give any information about my account. A person by the name of XXXX refused to give me any information about my account saying she could n't. My dealership tried to find out what they would finance my replacement on money wise and they would n't tell them.
Consumer complaint received 2023-06-02
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (FL)

PLEASE SEE ATTACHED DISPUTE DETAILS, AND ALL OTHER FACTUAL DOCUMENTATION, PLEASE NOTE THAT DUE TO BANK ERROR, I DIDI NOT RECEIVED THE MERCHANDISE THAT I HAVE PAID {$3000.00}, I HAVE NOT RECEIVED THE {$3000.00} CREDIT. 

THIS IS UNJUST ENRICHMENT, AND IM DEFRAUDED AS THE BANK WILL NOT CREDIT MY {$3000.00}. 

PLEASE SEE ATTACHED ALL CORRESPONDENCES AND LETTER OF DISPUTE I HAVE SENT CHASE BANK. 

THANK YOU, XXXX XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

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 : XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account XXXX has violated my rights. Or a 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 2024-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information ReferraXXXX AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (FL)

I opened my business account with Huntington Bank on the XX/XX/2022. 
I did it at the branch in XXXX, IL and applied a promotional code gives promising {$1000.00} credit for deposit {$20000.00} of new money in 30 days and hold it for 60 days. 
I met all the requirments on the XX/XX/XXXX, but unfortunately the bonus was not issued to me. I even deposit {$50000.00} to the account in XXXX to be safe. 
When I contacted the customer service, they couldn't explain why it was not issued and can not fix it. They asked me to come to the branch. 
When I came to the branch, they confirmed that I'm elligible for the bonus, collected my information, but never followed-up to me after a month.
Consumer complaint received 2023-06-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (CA)

I had someone steal my Apple ID on XX/XX/XXXX and I have {$500.00} in Apple Cash and {$3500.00} Im my Goldman Sachs Savings Account and I have been calling and talking to various people everyday there to try and get my money. I keep being told that my account is under review. No one will tell me what that means and why its under review since this savings account has nothing to do with my Apple ID like Apple Cash does. Finally yesterday after being transferred to several people, I was promised that someone from corporate would call me by the end of the day but possibly within the hour and I still never heard from anyone. 

I also have no way to even get into my savings account. They all seem to be so secretive for some reason. Seems fishy to me and I thought they were a huge bank. 

The funny thing about all of this is that someone cloned their phone number and called me from a number that shows up as their number and even says Goldman Sachs and that is how I got scammed and got my Apple ID stolen in the first place. Goldman Sachs is well aware of the problem about their phone number being cloned as they are the ones that told me about this.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!