davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
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 (GA)

XX/XX/XXXX I attempted to pay a merchant via Apple Pay with my Apple Card. XXXX was declined twice as he does not accept Apple Pay. I proceeded to pay him via XXXX and XXXX. 
Goldman Sachs then decided to charge me the {$3500.00}. I began a dispute- sent the information that the merchant was already paid. They continue to decline my disputes in favor of the merchant. I contacted the merchant myself who stated he was never contacted by anyone from Goldman Sachs, he then checked his account and confirmed he was never paid by Goldman Sachs and that both transactions were considered declined on his end as well. He sent proof of this as well as the payment from me for the services I have sent all of these over and over again and continue to be sent emails that deny my dispute in favor of the merchant. This is fraudulent as he was never paid in the first place by Goldman Sachs. I need this to be closed immediately.
Consumer complaint received 2023-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

We have been contacting Chase numerous times to remove our private mortgage insurance and each time they proceed with the process then refuses to have an appraisal actually come out due to different excuses each time. 
First time was XX/XX/XXXX when we have requested to reappraise the home because the value had gone up far more than 20 % of the loan so we can remove the PMI. We started the loan at XXXX and the Chase website itself appraised the house with an estimate of XXXX. The lender initially proceeded to move forth with the appraisal and we have summited a check for the appraiser to come out and they have cashed the check out. However, then, was told that they can not remove our PMI until we have made a significant improvement in the house. Chase website and the lender let us know improvements such as : in-ground pool, solar panels, etc - attached below is the document from Chase. 
Second time on XX/XX/XXXX we made a request to remove our PMI because we had gotten Solar Panels. Which is what they suggested would be a significant improvement for the house. The lender initially proceeded to move forth with the appraisal and we have submitted a check AGAIN - second time around and they cashed it out. Then again they came back saying they can not remove PMI because we have financed the solar panels. 
Although Chase reimburses our checks for an appraisal each time they change their minds, they are just not allowing us to remove our PMI. Under a conventional loan- we have the XXXX that protects us homeowners to request for a PMI removal when you reach 20 % home equity. We guarantee our home value is over 20 % of loan. Chase is forbidding us from removing our PMI and would like to escalate this to the Consumer Finance Protection Bureau.
Consumer complaint received 2023-02-23
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: EQUIFAX, INC. (GA)

i am writing to delete the following information in my file.the items i need deleted are listed in the report. i am a victim of identity theft and did not make this change. i ask that the ittems be deleted to correct my credit report. i reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal tradecommissions identity theft affidavit please delete the items as soon as possible.
Consumer complaint received 2017-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

I have had multiple issues with Navient. I originally had issues attempting to pick a payment plan, and was given different information from each person that I spoke with. I do not believe they helped me make the best decisions based on my situation.     My biggest problem, was in the the fall of   XXXX   my plan was switched. At the time, I was enrolled in the autopay. When the plan was switched I was still enrolled. I had believed the monthly payments were being made. I received a phone call stating that my payment was not made for 3 months and that a report was filed against my credit. I spoke with NAVIENT and they stated I was enrolled in autopay, however, it was not deducting the money from my account. They had to reset the autopay, and it began to take money from my account, however, I still took a huge hit to my credit. They said this could not be fixed.
Consumer complaint received 2023-06-07
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: EQUIFAX, INC. (CA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2017-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NC)

This company, ERC, sent me a letter and claimed I have unpaid amount {$380.00} to   XXXX   XXXX   XXXX  . Except I do n't do business with  XXXX   XXXX . I visited  XXXX  and ask them if they have an account under my name, gave them my driver license and the letter from ERC.  XXXX  search and came back negative, they do n't have me as a customer, they also checked back dated to year  2014 , nothing.     I also checked my credit report and verify a possible identify theft, again, nothing. Contacted ERC,  XXXX , gave them the reference #  XXXX . Informed them they have the wrong person which they denied ... I asked how they get my record. They could n't give me an answer.       XXXX   XXXX   XXXX
Consumer complaint received 2021-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (VA)

Our PayPal account was charged {$39.00} on XX/XX/21 by someone unknown to us using my debit card number which was never on the PayPal account. We contacted our bank the charge was fraudulent and our money was restored to our account. 
We closed the PayPal account. On XX/XX/21 we were contacted by XXXX XXXX regarding the debt. They said they would send an email of the transaction that we never got. On XX/XX/21 we talked to XXXX XXXX at XXXX regarding this debt. On XX/XX/21 XXXX XXXX stated he would send as fraud to PayPal. Now we have gotten a collection letter from XXXX XXXX attempting to collect the same debt. These collection companies are harassing us by passing this fraud claim around in hopes of getting money they are not owed. 
Closed PayPal account # XXXX XXXX XXXX  account number XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX account number XXXX
Consumer complaint received 2024-04-16
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

I made several attempts to talk to eradicate this debt but the fees changed. The first lady was somewhat helpful and she was nice but I was not able to get all of my questions answered. She then told me that she would have to put refusal to pay because I was not able or ready to pay at the time. I was not going to pay for something that took almost a 200 percent leap without knowing what i was paying for. I let time go by. They sent me a letter with a lower payment option but I did not get the letter in time to pay it. I asked if they could extend it for one week because I got paid the next week and they said no. It went back up to XXXX. I am not disputing that I don't owe something but that was steep. The sad thing is I gave up and tried to make payments to clear it up and they refuse to accept payments when they clearly state that on their website they have options for everyone. They were rude and nasty and told me to save half of what I owe out of one check and the other half out of another check. I tried to dispute them but it's still there. I do not know what to do at this point. I can not dispute them and I can not pay them because they want all or nothing and they are very nasty individuals to talk to.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (MD)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit ny purpose If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.
Consumer complaint received 2022-11-18
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. (MA)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX ), XXXX XXXX ( Account Number XXXX, Open Date XXXX XXXX, XXXX, Balance : {$1000.00} ), Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$650.00} XXXX XXXX XXXX XXXX  ), Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$490.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-04-16
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: CAINE & WEINER COMPANY, INC. (TX)

The company Caine & Weiner is in violation of my consumer rights. The credit bureaus were to do an investigation into the account reporting XXXX by Caine & Weiner. The company was also sent a debt validation letter where I also included the XXXX from the original creditor showing the discrepancy in what they are reporting such as the balance. As you can see from my credit report ( attached ) the account was disputed, but no validation was sent for this account. I demand you to remove this item from my credit report. The 1099-c did not report the same balance meaning that the reporting on my credit report is not in compliance. You violated the FCRA 15 USC 1681eb you are reporting information that's not 100 % accurate. Per the IRS, I can file form 3949a for tax violations upon your company. Furthermore, any US Code in the FCRA and FDCPA that any corporation violates the consumer is entitled to actual damages and monetary compensation.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (NC)

On XX/XX/2023 After a consultation an being DENIED opening a busines checking account while being a personal account holder, I was forwarded to speak with solicitors concerning a debt. As a Natural Man, I reserved my unalienable rights and gave no authorization to make any payments as the account was closed and the agent became hostile. I noticed the next day that {$2600.00} was stolen out of my account, without authorization, without notice. 

I called to seek remedy and to make them aware that this action caused me harm, i was told that nothing would be done and after requesting a Supervisor, the agent let off petty retorts before sending me to voicemail. I am a XXXX Veteran and this organization has been causing me enough harm with their persistent automated calls and unprofessional phone calls after i specifically stated I did not want to receive calls and only consent to emails and letters through the USPS earlier this year. XXXX XXXX
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-07
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: Experian Information Solutions Inc. (TX)

I 've filed multiple requests for incorrect data from XXXX XXXX on my Experian credit report to be corrected or DELETED. This data is for the XXXX XXXX XXXX Account # 's as listed on the attached copies of my credit reports. These two accounts were both PAID IN FULL on XXXX XXXX XXXX and confirmed by the attorney representing XXXX XXXX ( see attached letter from attorney, dated XXXX XXXX, XXXX ). It 's been well over 80 days since I filed my recent complaint on XXXX XXXX, XXXX and the data has still not be corrected on my report. Over the last several months XXXX XXXX has posted multiple incorrect dates the most damaging being on one of the accounts with the date of XXXX XXXX as the last pay date and last date of " in collection status '' and the other account with a XXXX XXXX date. As a result these incorrect entries have damaged my credit score and  ability to secure a refinance on my mortgage. I 'm requesting both accounts be DELETED based on the FCRA rules and time limitations on correcting errors on Credit Reports. Again ... These two accounts were paid in full on XXXX XXXX, XXXX and confirmed by their attorney, via the attached letter!
Consumer complaint received 2023-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (IN)

Today, XX/XX/XXXX, I received a letter from Navy Federal Credit Union requesting that I pay a debt of {$5400.00}. However, I have no knowledge of where this debt has came from. Upon checking my Credit with XXXX, I can see that the Navy federal account, along with XXXX other accounts were all maxed out and unpaid. The Navy Federal account was opened in XX/XX/XXXX ; I'm guessing it was by my mother because I didn't open my first debit card account until XXXX of XXXX. When I did open my debit card account with XXXX, my mother told me that I would be " on her credit '' and that she would hold onto my cards. When she told me this, I had just turned XXXX and knew relatively nothing about credit. Moreover, I just assumed it was similar to having a student banking account. I suspect that she has been using my credit for her own sake. When I moved away from home to start college at XXXX in XXXX, I still didn't have access to these credit cards. While she had them, I can see that she was paying them off on time up until XXXX. We had a falling out and my parents left me to provide for myself. Because they were paying my phone bill and stopped so suddenly, I had to save up for a new phone ; I ended up losing her contact information. My mother also blocked me on all social media, leaving me with no way of contacting her on the matter. After this falling out the cards associated with my name have all were maxed out and haven't been paid off since. I have tried to file for identity theft this past summer and have spoken to my XXXX about the situation ; however, I don't think it filed it correctly. Just for informational purposes, the other XXXX accounts were : a XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX ), a XXXX XXXXXXXX XXXX XXXX  ( opened XX/XX/XXXX ), and a XXXX XXXX XXXX ( opened XX/XX/XXXX ). There is also an XXXX card under my name that has been terminated and that I didn't open.
Consumer complaint received 2023-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

After a review of your account activity, weve determined that youre in violation of PayPal 's Acceptable Use Policy. As a result, your account has been permanently limited and you wont be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We May Take. You must remove all references to PayPal from your website ( s ) and/or auction ( s ), including removing PayPal as a payment option, the PayPal logo XXXX and the PayPal shopping cart. 

Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive funds.If you have funds in a PayPal balance, well hold it for up to 180 days. These funds may be used to satisfy any obligations you may have under the User Agreement and Acceptable Use Policy, including potential liabilities to third parties and to PayPal for each violation of the Acceptable Use Policy, including liquidated damages. After that period, well email you with information on how to access any remaining funds. 
If there are chargebacks that result in your account balance falling below XXXX, you will need to settle the amount owed to PayPal to avoid further action. 
Customers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts Reference ID : XXXX
Consumer complaint received 2024-11-12
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 am writing to formally request an investigation into an account listed on my credit report that I believe is a result of identity theft. I have recently reviewed my credit report and this accoutn I do not recognize, and I have not authorized this.
Consumer complaint received 2023-05-13
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: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-04-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC. (CO)

Dear Sir/Madam, I am writing to formally complain about an issue I am facing with Santander Consumer USA Inc. following the full payoff of my auto loan for a XXXX XXXX XXXX on XX/XX/XXXX. Despite having overpaid by {$450.00}, I am encountering difficulties in getting this amount refunded in a manner that aligns with my preferences and concerns for personal security. 

After the loan was settled, I contacted Santander Consumer on XX/XX/XXXX, to arrange for my refund. I was informed that it would be issued more than a month later, on XX/XX/XXXX, and only via a debit card. I have specifically requested a refund via check, as I have never conducted transactions with them using a debit card and do not wish for a debit card containing my personal information to be created. 

Furthermore, I have reviewed all agreements and communications from Santander Consumer and found no stipulation or policy mandating that refunds must be issued on a debit card. The insistence on using this method, without offering any alternative, is not only inconvenient but also imposes unnecessary risks to my personal information security.

Given the lack of policy transparency and the imposition of an unsolicited payment method, I am seeking the assistance of the CFPB to secure a refund via check as initially requested. The resolution of this matter is not only critical for my personal financial management but also for ensuring that Santander Consumer adheres to fair and transparent business practices.

Thank you for your attention and assistance in this matter. I look forward to your timely intervention and a satisfactory resolution.
Consumer complaint received 2023-02-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-07-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (AZ)

I opened an account with BMO around XX/XX/2019 because they were advertising a {$200.00} bonus if I had a direct deposit and used my debit card 10 times. I met all of the requirements and the bank closed the account without letting me know, without having a reason and did not pay the {$200.00} bonus. I called the bank to ask them why my account was closed and the Customer Service rep said it was strange and he saw no notes on the account.