davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

I deposited a check from my employer. Its my short-term XXXX check for over {$12000.00}. The bank not only put a hold on the check but theyre investigating me for fraud. XXXX who works for XXXX is the person who put the hold on this check and said it didnt matter what I did That they would not release the funds and he would take a sweet time. I have done everything I can do. The check is from my employer XXXX. Theres no reason for them to be doing this. Theyve already called the bank. The funds are there they know the check was authorized to me and they refuse to help and release anything and will not give me anybody of authority that can help me. I told him that I wanted to switch banks and they said tough luck that if the funds werent real that they would close down the account and charge me with fraud. I know for a fact that theyve already called the bank And theyve called my employer so they know that this check is not fraud and theyre just making my life miserable. This is the only money I have and Im gon na lose my car. Im gon na lose my home. Im gon na lose everything is result of this is the absolute worst bank ever Fraud, they are fraud s
Consumer complaint received 2018-02-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: DISCOVER BANK (NJ)

I am a cosigner for both of my son 's loans with Discover Student Loans, now being serviced by XXXX. I have repeatedly asked for a statement for income tax purposes showing how my payments were allocated ( I do not see any of this on their payment screen and can not make an option ). Representative XXXX, has emailed me numerous times over the last week or so that they do no give out that information. If I am remitting payments/monies toward scheduled payments, then I believe I am entitled to a statement and any documents necessary for a tax return.
Consumer complaint received 2018-06-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

i have explained to creditor Portfolio Recovery Associates LLC that i lost my temp job and do not have another job yet. the response from the customer service representative was " you'll be getting unemployment insurance. '' I did not ask this debt collection agency to be my financial advisor. they have been incredibly aggressive in calling every other day at one point. they have attached a letter dated XX/XX/XXXX from XXXX XXXX showing a lump sum owed of {$19000.00} but there are no other attached documents showing the breakdown of these prior credit card services. they have insisted i pay more minimum payments than i can afford to pay. they have called XX/XX/XXXX at XXXX XXXX ; XXXX at XXXX XXXX ; XX/XX/XXXX at XXXX XXXX. they have called on sundays as well and i have asked them not to call me on sun. despite this request they have continued to call. i have cobra health insurance expenses as well as student loans. they have called my mother in another state from whom i am estranged. they are in violation of any reputable debt collection practices. they are calling on my cell phone, my only phone, and so i am paying the cellular company to have a debt collector call me. this is badgering consumers.
Consumer complaint received 2018-06-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I joined the XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. Total monthly fee was {$130.00} which I paid every month automatically. It was a month to month agreement, with an understanding that I could cancel at any time. Nothing was explained to me about canceling in writing. 
In XX/XX/XXXX I called the Club to cancel my month to month membership. The representative I spoke with said sure, and claimed membership would be stopped. 

About a month and a half ago, I noticed that the Club was still billing me. I called the club and they said again that they could cancel the membership. They did not, and refused to give me a refund. 
I called Chase to complain about this. They opened a claim, for the months from XX/XX/XXXX to XX/XX/XXXX and placed a temporary credit on my account. 
About 3 weeks later, Chase reversed the credit and denied the claim, stating the charges were valid and also that there is a 60 day lookback that they need to follow. 
Firstly, if there is a lookback period, why was I not informed of this and also why were all the months I was disputing credited back? 
Secondly, I did not authorize those charges. If the merchant isnt going to honor my request, and basically lie and steal from me, Id like to think that after 20+ years of banking tens of thousands of dollars with Chase with the same account open for those years, theyd at least honor my complaint.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (OR)

I had plenty of unauthorized transactions and i reported that as fraud to the Goldman Sachs!

They didnt solve my problem!

No documents about what are these expenses for!

Then they reported and reduced my credit score XXXX points! 
Fraud fraud fraud!

Unauthorized transactions and fraud credit score report.
Consumer complaint received 2024-05-15
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: GOLDMAN SACHS BANK USA (TX)

I pulled my XXXX reports from XXXX, XXXX XXXX XXXX and I noticed XXXX has furnished this account as a charge-off/collection. A charge-off is a canceled debt where a form XXXX must be issued to the consumer. I recently contacted And spoke to a representative and was informed that this account was sold to a collection company. This account has been XXXX by GOLDMAN SACHS BANK XXXX and I need to file the XXXX form with the IRS as income. An account can not be a charge-off and a collection at the same time. GOLDMAN SACHS BANK USA has furnished this account as a charge-off, in violation of the Fair Credit Reporting Act 15 USC 1681 . GOLDMAN SACHS BANK USA a furnisher of information, is prohibited by law from reporting inaccurate information. The IRS defines a XXXX XXXX as canceled debt. When a debt is cancelled a FORM XXXX must be issued. The IRS states that a canceled debt is Gross or ordinary income, INCOME DOES NOT GET REPORTED TO THE CONSUMER REPORTING AGENCIES.
Consumer complaint received 2020-07-15
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Byrider Franchising, LLC (IN)

The amount that the company has is wrong. Its because I havent heard from the company in 3yrs. I no longer have the vehicle. I have tried to contact them and I havent gotten a response. They have never notified about the real balance
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (TX)

Flagship Credit Acceptance is not reporting current payments and continuing report to all 3 credit bureaus as being late despite making payments. Flagship Credit Acceptance is not reporting the correct loan amount on all major credit bureaus.
Consumer complaint received 2021-02-27
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: ROYAL UNITED MORTGAGE LLC (NY)

I received a deferement based on the Cares act for my current heloc. I applied for a mortgage from Royal United Mortgage, after a lengthy ( over a month ) application period during which they charged me for an appraisal XXXX dollars I was turned down for a mortgage stating that I had unacceptable payment record on my current loan. I checked my 3 to credit reports and there was nothing. They finnally sent me a letter 3 months after the fact that my loan was denied based on information from XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX, CA XXXX. This has already negatively affected my credit and the home repairs that I needed to make and debt consolidation are now out of my reach. I would have NEVER taken this deferment if I knew this was going to affect my credit so negatively
Consumer complaint received 2024-05-15
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Shermeta Law Group, PLLC (MI)

I the co-signer of my son XXXX The loan was sold to XXXX XXXX XXXX XXXX From XXXX XXXX XXXX XXXX XXXX XXXX My son was sued by XXXX XXXX XXXX XXXX years ago my son was setup with a payment plan with XXXX XXXX XXXX paying {$200.00} a month four years Never missed a payment until my XXXX XXXX XXXX XXXX XXXX XXXX was unable to pay the {$200.00} the month of XX/XX/XXXX and month of XXXX XXXX. My son XXXX made XXXX XXXX and XXXX payment of XXXX XXXX XXXX default loan through court Son had a balance {$800.00} left to pay off {$10000.00} XXXX XXXX didnt notify my son they was taking him to court XXXX XXXX garnishee my bank account Was unable to get any money My son continue making payment The balance went from {$800.00} back to {$10000.00} this is no right something not right with this XXXX XXXX XXXX something needs to be done about this XXXX XXXX XXXX My so and I need your help to get his balance back to {$800.00}. XXXX XXXX that loan This isnt legal what XXXX XXXX XXXX has done to us and other please help us Thank You for listening
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

There is a Chapter XXXX Bankruptcy reporting on my credit file. Reference Number XXXX I have verified with USBK COURT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX They do not report or subscribe to XXXX or Equifax so how is it possible that you have verified this info. Remove at once or I will file a lawsuit and seek damages.
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (UT)

Midland Credit Management is reporting an erroneous debt on my credit file that I do not owe. I have been disputing this account with them because they keep calling to try and collect on an account that I have already paid! When I received my 30 day right to dispute I immediately called and settled the debt to avoid it from reporting on my credit file. This was a joint account between my wife and I and my wife ended up paying this account but when I looked at my credit this debt was reporting?! This account is paid! Not only that it was paid before it reported on my file so this must be removed immediately. I am also aware that while this account is under investigation you may not report any negative information on my credit file. If you continue to report invalidated information under review this can constitute fraud under both federal and state laws.
Consumer complaint received 2021-02-27
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: Experian Information Solutions Inc. (FL)

They told me to wait a month. 

When I filed this complaint with the Federal Consumer Protection Bureau, I was unable to add example files to the complaint. The link on the CPFB website didnt work.
Consumer complaint received 2024-05-15
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: JPMORGAN CHASE & CO. (FL)

I purchased the car stereo from a business, unfortunately, they installed incompatible Stereo in my car they didnt want to take responsibility I contact the bank to resolve this situation. The bank told me that they need to remove it and ship it back to the seller and provide them tracking number. I did what the bank said that I need to do and I provided pictures tracking number, and all the information the bank requested, unfortunately after I did all of this, the bank closed the dispute, not for my favor and left me with no merchandise and no credit.
Consumer complaint received 2023-02-07
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: EQUIFAX, INC. (PA)

The credit bureau engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account on my credit report an account in which I have no contract with. We have no agreement therefore no agreement was signed. A legal contract is signed by two parties, and I did not participate in any agreement with the malicious party who is abusing me as a consumer. More so they did not follow the proper five step validation procedure which makes these unfair practices.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (KY)

My husband does construction and was given a check for material and labor for a job. The check came back and now the bank has frozen my account with no information as to why receiving a bad check has frozen my account as I am not at fault. The bank will also not give me a timeline of when my account issue may be resolved or let me speak to someone who is investigating the situation. I was given no notification that my account was being restricted other than logging into my account to find I could not make any transactions.
Consumer complaint received 2021-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (AL)

I have two accounts with fortiva. I've been paying a lot of late fees. I am 2 months behind because my checking account was closed. I'm been trying to pay down my balance. But the late fees keep adding up.
Consumer complaint received 2021-02-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (MA)

On XX/XX/2021 Paypal advertised to me a {$5.00} reward for downloading a paypal app for a smartphone. 

Paypal had promised me to add {$5.00} to my account within a week if I download the PayPal application for my phone and log into my account using the application. The terms and conditions of the offer are attached. 

As of today, XX/XX/XXXX, 13 days after PayPal had promised to deliver me {$5.00} within a week, I have not received {$5.00} from PayPal. 

PayPal is engaged in misleading advertisement practices and does not fulfill its promises.
Consumer complaint received 2020-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2018-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (PA)

On XX/XX/XXXX I sent a certified letter to Diversified Consultants located XXXX XXXX XXXX XXXX, XXXX, XXXX stating I am disputing the debt listed and I need the name and address of the original creditor ; a copy of the alleged agreement between the original creditor and me ; documentation and a complete accounting of the amount claimed to be due, including any bills or invoices sent to me as well as any relevant payment history. The letter was delivered on XX/XX/XXXX and signed. they never responded to the letter. I sent a certified letter to XXXX, XXXX  and XXXX and they never deleted it from my file.
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2020, XXXX XXXX XXXX  was contacted asking proof that I am a co-signer on this loan. I asked if I can inquire how they VERIFIED WITHOUT ANY PROOF, BEARING MY SIGNATURE.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My Capital One credit card Account was closed and sold to XXXX XXXX and/or XXXX XXXX. I paid XXXX XXXX  {$190.00}. They said my account was paid and will now be reported as paid and closed. Capital One is claiming that I did not paid XXXX, which is not true. I paid them. I have attached a screenshot of my bank statement showing payment. I have reached out numerous times to Capital one. In which I mentioned that they are holding me back at purchasing a home. They are causing my credit score to stall in the upper 600s. Please help
Consumer complaint received 2016-10-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAINE & WEINER COMPANY, INC. (TX)

I received a call in XXXX of 2016 from Caine Weiner saying they were debt collecting for a debt I asked for proof of a debt they said I need to request it in writing they would not accept my written request. I then faxed, emailed and mailed a request and received. Itching. On XXXX XXXX approx I XXXX a {$60000.00} collection item on my credit report stating it had been " verified '' I have never received any proof of this debt as I demanded In writing in XXXX and they have continued to attempt to collect outside of the 30 days without providing documentation
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ID)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2018-06-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: 1st Franklin Financial Corporation (MS)

On XX/XX/XXXX, 1st Franklin is reporting a " 30 days '' late from XX/XX/XXXX. I have had several loans approved and refinanced with this company. I have never paid an account 30 days late. My accounts were refinanced and the payment dates changed during the time of refinancing.
Consumer complaint received 2018-06-13
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. (FL)

XXXX keeps reporting an old credit inquiry on my credit bureau reports from the 4 major credit bureaus. This inquiry is from XX/XX/2016

This inquiry should be deleted from my credit files at the 4 bureaus, because it is so old. 

My credit score has gone down because of this outdated inquiry.
Consumer complaint received 2024-05-14
Product: Mortgage — USDA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: SOFI TECHNOLOGIES, INC. (TN)

XX/XX/XXXX XXXX XXXX XXXX XXXX Filed a Report And Took Me To court Because I was unable to make payments, also paying the back time along with work orders. My concerns where no XXXX contacted me to help with resources to be able to pay my rent .its also on my record that I have been unemployed, since I have renew the lease from the move in date that I was a XXXX individual unemployed. I have been seeking help to get my XXXX that I was born with to be able to get the help I need to have income to be able to pay the Bill 's I am currently homeless. I have been evicted My last day in housing was XX/XX/year> and the housing gave me 10days to move witch I feel was not enough time to get the help I need to pay the back time off. I really need help and I have no help my mother is helping me with my XXXX kids I live with my mom and she does not have enough space in her home to house me an my kids for to much longer I have looked for resources in my area an I yet to find the help I need
Consumer complaint received 2021-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NC)

We, meaning my wife and I had agreed to a plan for 3 months of payments to be suspending for hardship if we made a payment to Barclays credit card to bring it up to date which we did. And now they have turned it over to a collection agency even after many calls to remind them we had an agreement. We have had 4 XXXX in the past 3 years with our daughter and all the bills we have is from Dr. visits and XXXX
Consumer complaint received 2024-05-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (WI)

They refused to provide an advisor to help me with the forebearance! And I asked many times for that. But they told me to go online and fill it out. I dont know how to do that : they suggested that I call them. But its hard for me to call because I am XXXX. Its hard for me to fill it out while I am on the phone! They are disrespectful. I told the many times that I am XXXX.