davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
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 (NV)

I have a Goldman Sachs Apple Credit card account. XXXX of my family members each have credit cards that are associated with my account. Each credit card number is different, but they are all linked to my account. 

On XX/XX/year>, fraudulent credit card transactions were attempted with the credit card number of a family member ( my son ). There were XXXX fraudulent attempts in total. Most of the transactions were flagged by Goldman Sachs as fraudulent ; however, XXXX were permitted. When I received an alert from Goldman Sachs of these attempts, I told Goldman Sachs that the charges were fraudulent. Goldman Sachs then closed my son 's credit card and issued him a new credit card under my account. 

The XXXX permitted charges were to Goldman Sachs 's affiliate, XXXX XXXX, and its XXXX XXXX, so I disputed those charges. 

The following month, Goldman Sachs rejected my credit card dispute, claiming that I made the XXXX XXXX charges. Goldman Sachs asserted that I purchased an XXXX from the XXXX online store and that the XXXX was shipped to me to a location in Florida. 

I do not live in Florida, and I did not order the XXXX. Further, the name of the purchaser was my name, but the credit card used was my son 's Apple Card credit card number. This should have caused a credit card mismatch, but Goldman Sachs allowed the transaction to process regardless. 

The XXXX  was also activated by someone other than me. XXXX XXXX knows who this person is. This person attempted to purchase an XXXX XXXX XXXX phone plan with my son 's Apple card in my name ; however, XXXX XXXX XXXX reversed this fraudulent charge. Goldman Sachs refuses to acknowledge this as proof that the XXXX purchase was fraudulent as well. 

Goldman Sachs also claims that I accepted the XXXX XXXX XXXX  " Terms of Service '' when I purchased the XXXX, which they assert is proof that I purchased it. However, I did not accept the Terms of Service, because I didn't purchase the XXXX. Goldman Sachs has provided no proof that I accepted these terms ( an XXXX  address, phone recording, etc. ).
Consumer complaint received 2021-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (NC)

Diversified Adjustment Service, Inc. At XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , MN XXXX, has been sending me collection notices in the amount of {$1600.00}, the collection has been as reported pass due. I do not know this company. I never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2020-04-10
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)

I disputed multiple accounts that started last XX/XX/2020. The Credit Bureaus failed to verify these accounts after multiple dispute letters and warnings to submit complaints, I have no other option but to file a complaint with CFPB.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Stellantis Financial Services US Corp. (GA)

According to law 15 USC 1692 c ( c ), Ceasing communication If 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 consumer with 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. Please remove all debt information from all 3 credit bureaus asap that are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX First Investors Servicing Corp Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

On XX/XX/2022, I mailed out a certified letter to LVNV Funding regarding an alleged debt that they claim that I owe. I sent them a cease and desist letter in regards to the alleged debt. They received the letter on XX/XX/2022, according to USPS Tracking # XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-03-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (MN)

I have a Department of Education Student Loan that is being collected from the Professional Bureau of Collections of Maryland Inc. I am being garnished and the agency is charging 25 % fees. Currently it goes directly to voicemail. My employer advises the garnishment will continue with out notice, even though federal Covid Relif Act was passed. How do I stop the garnishment and why can Department of Education Loans have no limit for the amount they can charge for fees. Seems like a scam.
Consumer complaint received 2024-04-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TradeStation Group, Inc. (MD)

On XX/XX/year> I opened a Tradestation account using a promo code XXXX which said if I deposit a minimum of {$500.00} within 30 days of account opening and maintain $ XXXX I will get a {$150.00} bonus. 

I deposited {$500.00} on XX/XX/year> and I have maintained the balance since but have not received the bonus. Upon contacting Tradestation they are claiming that I did not deposit at least {$500.00} and so they can not honor the promo code. In their offer it did not say that {$500.00} need to be deposited in one transaction.

I have attached a screenshot from Tradestation which shows that {$500.00} was deposited on XXXX XXXX
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I voluntarily closed my XXXX XXXX  XXXX Card account and I need it marked as CLOSED BY CONSUMER on the normal XX/XX/30 reporting date but if not immediately thereafter as it would be a willful FCRA violation to wait until XX/XX/XXXX or XX/XX/XXXX XXXX
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Some time this month i received a alert form my experian credit report. I log in to my account and saw a alleged XXXX XXXX XXXX XXXX  XXXX. I disputed this debt. I have no knowledge of a XXXX XXXX Credit Card. XXXX investigated this alleged debt and deleted off my XXXX  report. Now XXXX XXXX XXXX XXXX to the same debt to Equifax for a different dollar amount claiming i owe them money. I have no knowledge of this company. This company did not contact me. The alleged debt reported to my Equifax the next day XXXX deleted it from my report This XXXX has caused me harm dropping my credit score. My new employment require me to have a good score in the lending business
Consumer complaint received 2023-06-23
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: Stellantis Financial Services US Corp. (WI)

I received a credit alert that my credit was pulled. I noticed credit inquiries that I did not authorize, made by the following companies : XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I have contacted the following companies and they referred me to the credit bureau for this issue. They would not remove the hard inquires. I have stated that I did not apply or give them authorization to pull my credit.

Please validate this information with these companies and provide me with copies of documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquires be immediately deleted from the credit file that you maintain under my Social Security number.
Consumer complaint received 2020-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Our transition from XXXX XXXX  to NewRez has been full of miscommunication and representation. We have had perfect payment history with XXXX and tried to pay our mortgage due during the transition to NewRez ( we never received our welcome packet or information to pay ). Between XXXX to XXXX - we have diligent tried to pay our mortgage and work with the new Mortgage provider. Constantly being reassured we are within RESPA by both XXXX and NewRez, waiting for the documentation we were unable to pay our mortgage with the new provider. The new provider then reported TWO 30 day lates against our credit which sent our finances and credit into a downward spiral. 

Shellpoint Mortgage is owned by NewRez and its representatives express inexperience and lack of professionalism. The company 's infrastructure shows they are unable to properly track communication and or escalations.
Consumer complaint received 2021-03-17
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. (IL)

I cant get a mailed response from this credit agency after sending several complaints. I call and sometimes get through after holding 1hr 10 min, get disconnected and other times be told I have to mail in my complaint or use their website and get error messages of all sorts. Furthermore, I feel these kinds of issues is to discourage me from enacting my rights under federal law.
Consumer complaint received 2020-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

XX/XX/XXXX Citi Cards Customer Service Box XXXX XXXX XXXX, SD XXXX Re : Account XXXX XXXX XXXX XXXX Gentlemen : In a telephone conversation with your agent on XX/XX/XXXX, I disputed a late charge which appeared to be waived, but was subsequently reapplied together with interest charges to my account. I normally pay my account two days prior to Citis due date and confirmed that the payment in question had been issued by my credit union timely. 

Subsequent statements indicated more fees and charges based on that same event. I disputed the reapplication and additional fees in a subsequent telephone call, however your representative declined to remove the fees and rudely told me to post payments four to five days earlier so Citi had adequate time to process them. 

I shall not allow Citi to apply fees and charges due to its inefficiencies and, as stated to that representative I shall not waste my time to speaking to rude personnel. 

I paid all current charges cited on subsequent statements, but not fees and charges. I demand said fees and charges be reversed and the account returned to a XXXX  balance. I shall not use the account until such is done. Should Citi refuse to do so, please close the account and note it was done at my request.
Consumer complaint received 2020-03-31
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NJ)

My husband XXXX XXXX and I, XXXX XXXX, both have auto leases with Chrsyler Capital, since we are both self employed, our businesses have both been impacted by the COVID situation since we are forced to close non essential businesses. My husband XXXX XXXX called to see what hardship options were available for his lease and was told they are providing two months deferment and he would receive an email to fill out. I called to receive the same option for my auto lease 30 minutes later and was transferred to the " assistance team ''. The agent I spoke with from the " assistance team '' had an attitude the entire time and initially offered a one month deferment, I explained to her that my husband had just called and said they were offering 2 months, she seemed very reluctant and said she would put it through and that I would receive an email in a day or two. 

Neither my husband or I ever received an email and on XX/XX/XXXX they took my automatic payment out of my account that is set up with their company. It was {$390.00} that I did not have to spare. We have XXXX children, can not receive unemployment, and don't qualify for any assistance. I also messaged them on XXXX messenger with the same information and they replied asking for my information, no one has called. My husband also called Friday the XXXX and told them he hadnt received the email and they said he would receive it by XX/XX/XXXX, he still hasn't received an email. 

I have included my account number ( XXXX XXXX ) in section 4 of this complaint. XXXX is XXXX XXXX account number
Consumer complaint received 2022-12-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

Date and Amount : XX/XX/XXXX, {$15000.00} XX/XX/XXXX, {$15000.00} XX/XX/XXXX, {$10000.00} XX/XX/XXXX, {$20000.00} XX/XX/XXXX, {$40000.00} XX/XX/XXXX, {$10000.00} XX/XX/XXXX, {$30000.00} XX/XX/XXXX, {$13000.00} XX/XX/XXXX, {$22000.00} On XX/XX/XXXX I informed XXXXXXXX XXXX XXXX XXXX XXXX that the wire transfers were fraudulent, XXXXXXXX XXXX  requested return of the funds from JP Morgan Chas but Chase said that they were unable to make contact with the customer. 

I believe a smart and vigilant banker would have frozen the account until the questionable situation was rectified.
Consumer complaint received 2024-03-18
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)

This company XXXXXXXX XXXX XXXX has been falsely reporting incorrect, false information on my credit reports for five years. I was an identity theft victim. This company was notified several times, they were informed about the unauthorized opened account. They closed the card, however closed the account as a charge off on my credit report. They were supposed to close the card and remove, they instead closed the account as a charge off unpaid as if they didn't know this was due to fraud, they have also sent a 1099 with no investigation. XXXXXXXX XXXX is falsely reporting errors on my report!!! 
I have sent them the required and relevant correspondence. They have received the police reports, the dispute forms, my identification, my disputes from the 3 bureaus of Transunion, XXXX, XXXX also notified them. The NY attorney General notified them, the CFPB has notified them, they are not investigating legally, they are continuing to report inaccuracies on my file. They are in violation of the F.C.R.A. 
XXXXXXXX XXXX IS ILLEGALLY REPORTING FALSE, INACCURATE INFORMATION OM MY PERSONAL CREDIT FILE. THEY WERE TO REMOVE AND DELETE THE ITEMSS ONCE THEY WERE NOTIFIED ABOUT THE FRAUDULENTLY OPENED ACCOUNT THAT WAS UNAUTHORIZED, THEY SAID THEY WILL CLOSE AND REMOVE THE ACCOUNT DUE TO FRAUD, EACH TIME THIS IS DISPUTED THEY PUT IT BACK. XXXXXXXX XXXX HAS NO INVESTIGATION PROCESS IN WHICH I AM LIABLE FOR THIS ACCOUNT. THIS HAS TO BE REMOVED FROM MY REPORT THEY ALSO WERE REPORTING TO AN ADDRESS I WASNT ASSOCIATED WITH, ONCE I GAVE THEM MY ADDRESS ( FOR PURPOSES OF THEM MAILING ME DOCUMENTS REGARDING THE DISPUTE, THEY CHOSE TO REPORT MY CURRENT ADDRESS ILLEGALLY, THEY HAVE NO ACCOUNT OPENED AT MY ADDRESS OR PERSONAL INFORMATION IN XXXX AT THE TIME OF THE FRAUD. NOTHING MATCHED BACKED TO ME IN THEIR INVESTIGATION.
Consumer complaint received 2021-03-17
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. (NY)

I am a victim of identity theft. the fraudulent accounts XXXX  XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX  are reporting on my Experian Credit report only.
Consumer complaint received 2020-03-31
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Dear Sir/Madam : I have repeatedly reached out to the credit reporting agencies ( XXXX, Transunion and XXXX ) regarding credit inquiries on my reports that are without a permissible purpose. According to the FCRA, the aforementioned credit bureaus must remove such inquires immediately. 

Here are the queries in question, along with the bureaus reporting them : XXXX  : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  Transunion : XXXX ( shows up twice ), XXXX XXXX  and XXXX  XXXX XXXX  : XXXX, XXXX XXXX XXXX and XXXX XXXX I am requesting these inquires be deleted immediately.
Consumer complaint received 2024-04-10
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

Synchrony Bank sent a Change-In-Terms Notice for my JC Penney store credit card stating a {$1.00} monthly paper statement fee will be added to my account to continue receiving paper account statements in the mail. This meets all 3 requirements of the unfairness standard of section 5 of the FTC Act to be deemed an unfair practice. 1. The practice causes substantial consumer injury. 2. The injury is not outweighed by benefits to the consumer or to competition. 3. The injury caused by the practice is one that consumers could not reasonably have avoided. This is because I as a consumer will be forced to watch my emails for monthly statements and could miss one due to the email going to junk mail and cause my account to be late. Also, many of my older friends and family do not have an email address or computer or smartphone, therefore, will be unable to receive an electronic statement and will be forced to pay a {$1.00} a month statement fee. This is unfair and must be stopped.
Consumer complaint received 2022-12-29
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: Experian Information Solutions Inc. (NJ)

in accourdance to graham leaked dliley act my privacy rights have been violated. I have a right that my private information is not shared with a third party persons. ( XXXX XXXX XXXX XXXX XXXX ) didnt ask my permission to share any of my information to a third party nor did i give written permission to do so which is required by law. 
-15 USC 6802 ( a ) states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice. My balance, the date i required such balance and what bank i required that balance from is not public information so should never been reported to Experian 15 USC 6802 ( B ) - ( 1 ) ( a ) ( b ) ( c ) states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted. That such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 USC 6802 ( C ) states a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. Experian by having such information reporting on my consumer report you are there for violating my rights to privacy.it is your job to investagate anything that is reported before putting it on my report.its your job to be impartial while making sure my fair and report is fair, accurate and my privacy is respected.

15 USC 1681 ( L ) states Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. You guys have also violated that.
Consumer complaint received 2023-08-07
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: EQUIFAX, INC. (SC)

Per Equifax they have delete a collection on their website for XXXX XXXX XXXX but my XXXX is still showing the collection account. I am applying for a mortgage and have had to get my credit pulled multiple times due to the inaccuracy.
Consumer complaint received 2020-03-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I made my payments to XXXX XXXX up until my card was compromised 2015, in which I reported to them & requested my card to be closed. However, they did not & instead charged me numerous late fees & then reported me for collections. This was my first ever credit card & it truely ruined things for me, I have disputed this many times throughout the years with no luck. I am trying to rebuild & establish a relationship with creditors but my collections account is getting in the way.