davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-30
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: GOLDMAN SACHS BANK USA (GA)

Here 's how everything went down in order : XX/XX/2021 : A payment was made with my stolen Apple Card number, presumably from the XXXX XXXX data breach, to XXXX for an amount of {$83.00}. 

Within the month of XXXX, I received XXXX different XXXX charges of {$83.00}. Apple and Goldman Sachs agreed to give credit for the fraudulent charges, all but that one charge of the same amount as the rest. As a result, I filed a dispute with Goldman Sachs and Apple and they agreed to give me provisional credit in the meantime. 

On XX/XX/XXXX, XXXX and Goldman Sachs informed me by e-mail that XXXX has provided the sufficient amount of evidence that I willingly made the purchase, and closed the dispute. I subsequently reached out to a Goldman Sachs representative to reopen the dispute. 

Today, XX/XX/XXXX, I received an e-mail from Apple and Goldman Sachs claiming that I did not provide additional evidence. I have not received any request contrary to what they said to provide any evidence. However on the conversation from XX/XX/XXXX, I provided sufficient evidence that these charges are fraudulent. There were multiple {$83.00} charges, all but one was singled out to be legitimate. 

Attached is a screenshot of the multiple charges brought upon by this fraudulent activity to XXXX. These are all transactions of this same amount, most of these were already reviewed and resolved, some were declined due to the replaced card number ( after asking Apple to change the card number and not just the virtual one ), and the one that Apple and Goldman Sachs insisted was a legitimate charge.
Consumer complaint received 2021-09-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC (TX)

Contacted them and told them never did any business with them, asked them what file they were collecting on and to give me the number to who I owe, they told me no, and if i didn't pay they could garnish my wages and report me to the credit bureaus.
Consumer complaint received 2018-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Total Card, Inc. (GA)

I tried to use my credit card in XX/XX/XXXX only to have it denied ... i had just paid my bill recently and I knew there was plenty of funds on the card, so I called customer service. I was told that my account was past due! It was not!! At some point, the customer service rep advised me that my billing due date had changed ( by accident ) since I had not authorized this change. My billing date was always around the middle of the month and all of a sudden it was showing due by the XX/XX/XXXX of each month. I told the representative that I had NOT changed the date and it needed to go back to my original due date. She assured me that she would take care of this and that it would not cause any issues! Since the middle of XX/XX/XXXX through present, I repeatedly receive emails saying that I am " past due '' or behind on payments, which I am not! I have called them about 3-4 times regarding this issue and I can not use the card because it is showing I am past due! As of right now, I paid {$50.00} before the due date and which is also more than the minimum payment and my purchase of {$42.00} was denied this weekend! My online account statement says that I have {$64.00} remaining credit and that I am past due. They need to get it together and get this issue fixed immediately! I am tired of dealing with it! Furthermore, I am not sure if I am being charged a late fee unneccessarily or if the " lateness '' is being incorrectly reported to credit agencies. How long does it take to fix something like this? I wouldn't think it would take this long!
Consumer complaint received 2024-04-10
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: JPMORGAN CHASE & CO. (FL)

This debt collector is called XXXX XXXX XXXX and the call was received from XXXX. This caller has left several messages on my cell phone using XXXX different names ( XXXX, and then XXXX XXXX ) and today contacted my employer to serve " court documents that required my signature ''. She threatened me with a wage garnishment, a lien on my property, and withholding any tax payments due to me until the {$8900.00} charge-off from XXXX was XXXX. The debt date is from 2013, and I informed her that the statute of limitations had expired. I advised her I would get an XXXX  to review any documentation that required my signature and asked why this paperwork could not be delivered to my home. She said they can leave it on the front porch. I then reminded her she told me the " court documents '' required my signature and at that point, she began back peddling and talking in circles. I need your assistance. I would like to pursue legal action against this collection agency and sue them for the money they are illegally trying to collect. I am not an uninformed consumer and the information given to my employer today was out of line.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I was not satisfied with the result I got from my Equifax report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for this incorrect information to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have this incorrect information removed or have anyone from Equifax contact me about the status of my concern. Here is the incorrect information that I am trying to dispute : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX
Consumer complaint received 2024-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (AZ)

I have autopayments set up with my loan service provider, Nelnet. On XX/XX/XXXX it came to my attention that my XX/XX/XXXX automatic payment was not properly handled, causing me to be {$13.00} short on XX/XX/XXXX. I paid the additional amount online and also called Nelnet customer service. They informed me that the automatic payment had only been applied to 2 of my 3 loans. They also assured me that the problem was fixed and there would be no late fees or impact to my credit score. 
On XX/XX/XXXX, I logged in to check that my XX/XX/XXXX autopayment had been properly applied. It had not been processed and showed that I now owed {$73.00}. I called Nelnet, again, and repeated the process from the week prior. They submitted a ticket to reallocate the payment. They say there will be no late fees or credit impact before XX/XX/2024. 
I have no control over where the automatic payments are allocated. This company is a complete sham taking advantage of taxpayers and student loan repayers.
Consumer complaint received 2021-09-30
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: DISCOVER BANK (PA)

XX/XX/XXXX at XXXX I placed a grocery order with XXXX online. Their software malfunctioned. The order didn't go thru, no email, no order #- it was a 'ghost order '. 
But immediately, {$190.00} was pending on my Discover credit card. 
I spoke to XXXX XXXX in XXXX billing. She tried very hard to have Discover remove this charge. She placed a 3-way conference call to Discover. XXXX from the XXXX call center was took the call. XXXX identified herself as an agent from XXXX billing. She asked him to remove the {$190.00}. She told him it was not a legitimate charge and the billing dept would not claim this amount. 
He was extremely rude. He hung up on us. 
XXXX called back. The next rep hung up on her. XXXX called back again. Discover blocked her phone # because the call wouldn't go thru. 
XXXX told me XXXX billing has problems dealing with Discover ; the same problems I'm having. 
All other credit card companies ( banks ) remove the charge after 24 hours if the merchant doesn't claim it. Discover credit holds onto a charge for as long as they can, which is 10 business days. 
THIS NEEDS TO STOP.
Consumer complaint received 2021-09-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (WA)

On Thursday XX/XX/XXXX, I received a text massage. It said " Chase online : we have blocked your access temporarily as we noticed unusual activity. Please immediately visit XXXX within 24 hours ''. I clicked the link and it asked me for my credit card #, debit card #, pin #, username, password, mother 's maiden name, full SSN and date of birth. 
On the following day Friday XX/XX/XXXX, in the afternoon my phone suddenly stopped working. I received an email from XXXX XXXX  saying that my device has been changed. This is when I felt something wasn't right. I opened my Chase app and found out someone has transferred money from my saving account to my checking account for the amount of {$17000.00} and then from my checking account to XXXX XXXX XXXX for the total amount of {$23000.00}. 
In my Chase app security center, I can see that person was using XXXX  XXXX XXXX to make the transaction. 
His activities XX/XX/2021 at XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  ET. 
As soon as I found out, I went to Chase Bank. I talked to teller and she said I have to call customer service to report it which I did using my wife 's XXXX.i also called XXXX XXXX and found out that someone has swapped my XXXX card d was finally able to get my number back. 
On Monday XX/XX/XXXX, I came back to bank to follow up. The banker lady helped me call directly to fraud department. She said I will remain dispute package in XXXX business day. After more than 2 weeks, On Tuesday XX/XX/XXXX, I finally received the letter saying that I need to provide more information such as police report and affidavit of unauthorized signature. The next day on Wednesday XX/XX/XXXX, I went to police station to file a police report. I received my copy of police report on Tuesday XX/XX/XXXX. 
Next day on XX/XX/XXXX, I submit all police report and affidavit at Chase bank. 
After about 2 weeks later, I called Chase claim department to follow up. She said It would take about 90 days. Next week I called again, he said my case has not been reopened. He would send my case to escalation team. Next week I called he said the case is still pending. Next week I called again and still pending. 
On Wednesday XX/XX/XXXX, I got an email from Chase saying my claim has been denied and my account has been closed. On that email also said I may benefited from this fraud. That is not true. 
Next day I called talked to supervisor. She said is denied because I am the one who gave all the information to the scammer. Therefore, I will not get my money back. I told her if I knew this was a scam, I wouldn't have clicked that link. I also told her I reported immediately after I found out there was an unauthorized wire transfer.she said it doesn't matter how long you reported it. You're the one who give the information to scammer. So, basically it's all my fault. I think Chase decision is wrong. Please help! I'm desperate to recover my money.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (AZ)

I AM LOOKING AT MY CREDIT REPORT AND ON XXXX AND XXXX THERE IS AN INACCURATE LATE PAYMENT! 

I WAS NEVER LATE ON 2020 XXXX! 

PLEASE HELP! I HAVE SUBMITTED A PREVIOUS CFPB REPORT TO THE BUREAUS AND THEY HAVENT HELPED AT ALL! ~
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Trying to clean up my husbands credit. 
He is a combat veteran with XXXX, who recently also had XXXX and well as our entire family over the span of 3 months that put even more strain and stress on him. 
XXXX XXXX states they can not provide us or help us with the items we are requesting and need to be done, that will help clear up some issues on his credit as well as that need to be provide our mortgage lender for rescoring purposes to obtain a new home. 
They were unhelpful and seemed to careless. 
I was shocked and beyond disappointed that this is how such a large bank would treat a veteran and his family.
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I opened an account with Huntington in 2019. I made XXXX in purchases and paid them all off. I change the payment during the third month to minimum payment due. It's still processed out the full payment out of my bank account. I contacted Huntington to see if this could be reversed and I could just make the minimum payment for that month I still would owe zero interest if I did so. The representative over the phone let me know that she could reverse the payment and I had already made enough payment that month to cover the minimum and I would owe no interest. The next month I did not get charged interest but my account randomly got shut down. I called and asked why I had been closed and they gave no definitive reason. They did confirm that it was not because of the payment issue the previous month. I got a letter in the mail stating it was because of a returned payment. I contacted Huntington multiple times to try to fix the situation and clear things up. They stated that they could not reopen my old card and that I would need to reapply to open up another card. I reapplied and was declined twice despite opening other lines of credit since without issue. I closed my checking account and will not be dealing with Huntington again -- this is bad business discriminatory and disgusting in my opinion/
Consumer complaint received 2021-09-30
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. (NC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2022, {$2900.00} I was fraudulently induced to make a transfer of funds from my BofA checking account ending # XXXX, and transferred to an imposter, posing as my childhood friend, XXXX XXXX. The imposter/fraudster requested I use my BofA XXXX account app to send him funds for emergency life saving surgery for my friend 's wife. 

I called BofA Fraud Line as per their website, and was put into a holding que..15 minute expected wait. Then I ran over to nearest BofA branch and was told I had to call the Fraud Line and wait on hold until it was my turn. 

I believe the Bank could and should have stopped the fraudulent transfer ; that Bank was provided with all relevant information within a very short amount of time after it occurred ; that Bank was provided with the fraudster 's personal information, including the fraudster 's bank account at XXXX XXXX, the fraudster 's email used for the XXXX transfer, time and nature of the Fraud, etc. 

Bank said it recovered {$65.00} from Fraudster 's XXXX XXXX  and refused further reimbursement to me, saying it did nothing wrong. I have requested Bank to reimburse the {$2900.00} less the {$65.00} credited to my account. 

XXXX XXXX
Consumer complaint received 2022-05-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

Earlier this year, I opened a Walgreens Mastercard. I was told that I would get all sorts of money back on my purchases. I made a single purchase in the amount of {$54.00} and some odd cents. I never received a plastic Mastercard in the mail. I didn't see a contract when I applied. A clerk at the XXXX made the application for me. Unbeknownst to me, the card was issued by Synchrony Bank. I wouldn't have gotten the card if I had known that. At some point, I got a bill for the Mastercard for the {$54.00} and some odd cents. In the interval between getting the bill and paying it, my mother died. I had to make funeral arrangements and also care for my elderly father, who was married to my mother for 67 years. When I returned, my husband gave me the bill and I did a telephone payment to Synchrony Bank for {$55.00} even. I figured I would get a bill from Synchrony for whatever finance charges are appropriate on {$54.00}. I never did get another bill from Synchrony. 

Today my husband got a telephone call from Synchrony Bank stating that I owed them {$110.00} and I was in default or something. I knew I had only used the card once and that couldn't possibly be right. I called the Synchrony Bank number I found on the internet and a customer representative told me that Synchrony had been charging me late fees every month. ( Bear in mind that there was no principal left on the card! ) I told her I wanted the account closed immediately. She kept badgering me to keep the account open and said that, before she would close the account, she had to read me a statement. I told her no, I wasn't going to listen to any statement and that she needed to close the account IMMEDIATELY. I hung up. I seriously doubt Synchrony closed the account. I'm sure it is Synchrony 's intention to continue to rack up fees every month.
Consumer complaint received 2023-07-23
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. (FL)

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 reports no consent is fraud.
Consumer complaint received 2024-04-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BC SERVICES, INC. (TX)

Received call from XXXX XXXX Debt Collector in XXXX of XXXX. 
Was told that I owed debt from XX/XX/XXXX. I was unaware of any debt, so I asked for debt validation, how to pay/dispute. The operator verbally harassed me and threatened to " come find me ''. 
I never received any form of debt validation. I attempted to call the debt collection agency again today ( XX/XX/XXXX ) and ask for validation, they told me they had sent it and I needed to pay. I told them that I never received a letter and asked to confirm the address. They confirmed the address then hung up on me.
Consumer complaint received 2021-09-30
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. (FL)

Equfax has not allowed me to continue to submit disputes and has prevented accurate information and/or removal of an account that does not belong to me. 

I sent a copy of the court documents showing this was an invalid collection account and they still continue to report the information.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OK)

The dispute investigation sent to me does not align with regulation E and was not properly investigated. My purse was stolen out of target. My chime card info was stolen and hacked. I filed a police report. I contacted chime to dispute the charges and was given a new card. Within an hour they denied dispute with no info given. I called back and kept having them reopen it and provided all info including the camera footage from XXXX  and they kept denying the claim. The denial letter they sent me had no details of a proper investigation, if it was properly done they would see right away it was fraud. Dispute numbers XXXX and XXXX Disputed Amount : {$3900.00} Desired Settlement : Refund
Consumer complaint received 2021-09-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

I believe my rights as a consumer has been violated by LVNV Funding LLC and Resurgent Capitals Services. Both FDCPA and FCRA violations. My research on LVNV Funding LLC, Resurgent Capitals Services and XXXX XXXX XXXX XXXX the current servicer was named in a lawsuit that an approval was granted on. 
I have requested for LVNV Funding LLC to provide an original contract between myself and LVNV Funding that has my signature on it. Account with them is being passed or sold to different debt buyers without validation. On XXXX mailed a certified letter to LVNV Funding LLC it was signed for on XX/XX/XXXX, I requested a validation of debt. I received a letter from Resurgent Capital Services 2 letters in the same envelope dated for the same day.one stating they manages the account for LVNV Funding LLC. and has initiated a review of the inquiry recently received and 2nd Letters stating recent inquiry received and a summary of an account prepared by Resurgent Capital Services on behalf of LVNV Funding LLC and it is a statement from XXXX XXXX, from XX/XX/XXXX to XX/XX/XXXX. 
On XX/XX/XXXX I mailed a certified letter to Resurgent Capital Services dated XX/XX/XXXX it was picked up from post office on XX/XX/XXXX on XX/XX/XXXX I received the same 2 letters as before. 
On XX/XX/XXXX I sent a letter about my 3 prior requests informing them FDCPA violations and FCRA Violations. No response from Resurgent so I addressed my next letter directly to LVNV Funding LLC. mailed on XX/XX/XXXX delivered on XX/XX/XXXX. See attached. I received a letter dated XX/XX/XXXX from Resurgent Capital Services stating XXXX XXXX XXXX is the current servicer of this account. 

I received a letter dated XXXX XX/XX/XXXX From XXXX XXXX XXXX stating LVNV Funding LLC is their client. 
On XX/XX/XXXX I responded because they gave me 30 days. Requesting the same information. Please note the Privacy notice section with the list of companies under LVNV LLC. does this mean that at any time one of these companies can contact about the same debt and not validate it.