davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (NY)

I was in the XXXX XXXX in XXXX XXXX XXXX in XXXX XXXX XXXX trying to buy a computer on XX/XX/2021. I told them that the computer was more expensive than at another store, so I was going to leave to buy it elsewhere. The sales associate informed me that I could get 24 month no interest financing if I signed up for the apple card. This was an attractive offer so I decided to go through with it instead of buying the computer elsewhere. I applied for the card, got approved, and proceeded to check out. When she pulled up the information I noticed there was only 12 month financing and not 24 month financing as promised. She apologized and checked to make sure that wasn't a mistake. It was not a mistake, and 24 month financing was not offered on this product. So now I just have this credit card I don't want that was opened under false pretenses. I left the store to buy the computer elsewhere. 

I then called Goldman Sachs, who is the partner for the apple card and told them what happened. This was 3 minutes after the card was opened. They told me that they could not reverse my application and that I could close the card but that, that could negatively affect my credit. 

I was taken advantage of and now just have this credit card I don't want or need and that I can't close for fear that it will affect my credit negatively.
Consumer complaint received 2017-11-29
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. (CA)

I discovered a collection account from XXXX XXXX in the amount of {$96.00} on my Equifax report and I know nothing about this. I filed a dispute regarding this medical collection account with Equifax in XX/XX/XXXX. Equifax responded in XX/XX/XXXX and said they had verified the account and advised me to contact XXXX XXXX XXXX. I called XXXX in XX/XX/XXXX and spoke with XXXX. XXXX said he could not discuss the account with me because I could not verify the information they have about me. I gave him all the information about me that he asked for. I suggested that maybe they have the wrong person and asked them to withdraw the account from my report. He said they only report accurate information. But could not discuss the account with me because I could not verify the info they have. I sent them a certified letter requesting they either send me a bill or withdraw the collection account from my report. They have not sent me anything and will not talk to me by phone. It would seem this is not my account. I sent Equifax a letter explaining that the collection agency will not respond to me. I provided Equifax proof of delivery and a copy of the letter I sent to XXXX. Equifax responded to me again by telling me they verified the account belongs to me and if I have additional questions I should contact XXXX. As I have previously stated, XXXX will not discuss this account with me.
Consumer complaint received 2021-09-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

On SeptemberXX/XX/2021 my checking account was overdrawn due to automatic withdrawals. I made a conscious effort to pick up two paychecks from one of my jobs- having to leave early from one of my other jobs to do so and deposit before midnight on PST. I opened my account on SeptemberXX/XX/2021 to notice that I had only {$7.00} available for use which was much less than I was expecting. This was due to 3 overdraft fees of {$34.00} charged to me even though I had put money in to cover the overdraft amount. I called in on Sept. XXXX to Chase Bank using the customer service line provided on the back of my card and was told I was not approved to have the fees refunded. I asked to speak with a supervisor and was told I would get a call back. I received a call back from a manager or a supervisor today, XXXX XXXX at a Branch in Florida who would not even consider refunding the fees even though I told him the entire story. After a lengthy and heated phone call I have placed an email to the Co-head of the company and am awaiting a response. What has finally lead me to complain to the CFPB is not only these three fees, its the abusive fees I have been receiving every 2 weeks which is preventing me from ever maintaining a positive balance. I am an XXXX, I work in healthcare and have through this entire pandemic. I decided to go back to school and do not qualify for much government assistance so I am working 3 jobs to get me through school and attempt to pay my bills. I have been $ XXXX {$800.00} overdrawn due to overdraft fees specifically at any given time. I can not come out from under them, it is a vicious cycle. I went to count the fees I have spent to provide them with an actual number but stopped at 100 fees that were all charged within a 12 month period. That is almost {$4000.00}. That could have been 3 months of rent for me. That is 2 months of my tuition. That could have covered groceries, months of phone bills, credit card statements, etc. It is so painful to think what that could have been applied to. Instead, it went toward absolutely nothing. To pay the institution that is supposedly keeping my money safe. I am exhausted, I am overwhelmed and looking for help out of desperation. I am not asking for {$4000.00} to be refunded for the year of overdraft fees. I am certain if that is what I paid just for one year, then Chase Bank has made at minimum {$10000.00} off of me alone in the years that I have been a Chase customer. I am mostly looking for Chase to have a little bit more mercy when it comes to these fees and have them consider refunding SOME of the fees to get me through until my next payday with a positive balance. I work hard for my money, it belongs to me and I feel like Chase is stealing from me every time I have a direct deposit hit my account.
Consumer complaint received 2022-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Earlier this year I had noticed accounts opened on my credit report without my consent, knowledge or permission. I contacted the creditors ( XXXX, XXXX XXXX, XXXX ) informed them it was fraud and closed the accounts. On XX/XX/XXXX I noticed the fraudulent information was still on my account. Where I then made a police report and wrote a dispute with supporting documents to have XXXX block the fraudulent information from my account pursuant to FCRA 605B 15 U.S. Code XXXX. XXXX, XXXX, Transuion received my dispute with documentation on XX/XX/XXXX ( proof of receipt enclosed ). 

I also noticed XXXX, XXXX, Transuion was reporting my Covid-19 forbearance as late for six months. I sent them documentation showing I was under Covid-19 forbearance and covered by CARES ACT and that also my account with XXXX XXXX  was paid with a balance of 0. To date XXXX, XXXX, Transuion has not blocked all the fraudulent information on my account I pointed out only some and they have not updated my account with XXXXXXXX XXXX properly. I should state Paid/Never late/Closed. As the account was paid and closed with a zero balance.
Consumer complaint received 2018-03-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AZ)

I am on a few supposed " safe '' XXXX groups that were created to buy and sell high end items such as XXXX XXXX, XXXX, XXXX, etc ... ... .purses, shoes, accessories ... .. 
In order to buy or sell in these groups, you must only use paypal, and therefore there is no one as the middle man as far as a " site to sell ''. Therefore when myself ( the seller ), creates my own invoice via paypal, I can write it up in ANY WAY THAT I WANT FOR MY " business ''. 
I advertised a XXXX XXXX handbag, authentic, in great condition, not brand new, and made sure to send well over 40 pictures to the buyer to makes sure she was aware of the condition of the bag, because in my invoice it clearly states : " PLEASE LOOK OVER VERY CAREFULLY, IF YOU HAVE MORE QUESTIONS PLEASE CONTACT ME. BUYER AGREES THAT ONCE THEY MOVE FORWARD AND PAY FOR THE ITEM, ITS A BINDING CONTRACT. IT IS SOLD AS IS, NO RETIRN OR EXCHANGES ALLOWED! '' I sent the bag out asap, on XX/XX/2018, VIA XXXX priority mail with signature confirmation. She received and signed for the bag XX/XX/2018. That night well after XXXX my time she rudely contacted me vis XXXX XXXX stating she didn't want the bag and she would be returning it. Wait what? I think she forgot we had a binding contract. Although PAYPAL, even though they are NOT A BANK, and only registered as a payment processor for online venders, auction sites and other commercial use. The fact that they think they can inter vein and allow us sellers to break our contracts that we have a legal right to enforce, is not only unethical, but illegal. They allowed her to supposedly send the bag back, with tracking BUT no signature confirmation. I never received it! Paypal decided to not only take my {$400.00}, but I STILL DO NOT HAVE MY BAG! This is not only fraud, but PayPal allows the fraud to happen, which should not be allowed! The fact they are not a bank or FDIC insured, they should not be allowed to hold any money over 24 hours, in the event something happened, our money is not protected. I am well aware that Paypal has been operating in a very gray area for over 20 years, and has continued to defraud consumers. As a XXXX XXXX and wife of a highly XXXX  XXXX XXXX veteran, I am completely appalled that this happens to innocent people. I hope that you can see what a serious problem this is and hopefully help me rectify the situation asap.
Consumer complaint received 2024-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (PA)

THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2018-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have a charged-off XXXX XXXX XXXX credit card on my XXXX, TransUnion and XXXX reports that is not being removed from my credit reports. The account shows a {$290.00} balance and that it has been charged off. 

My date of birth is XXXX. 
The account was opened on XXXX/XXXX/XXXX. 
I was XXXX years old when this credit card account was opened. 

Since I was n't of legal age to consent to contract I should not be liable for this account and should not have it reported on my credit reports.
Consumer complaint received 2017-11-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

I made m first purchase using my XXXX Credit Card from XXXX XXXX on XX/XX/XXXX and proceeded to make a payment the same day. I got an email confirming the payment was processed. I tried to use my card again on XX/XX/XXXX and found I was unable. I had an available credit limit still of over {$1500.00}, so I logged on to the website check my balance and it said my last payment had been returned. I immediately made another payment. I noted the return was on the same day I received a confirmation email. I called XXXX XXXX because I had more than enough funds in my checking account to cover the payment that was returned. The person I spoke with told me there was an issue with " locating '' my bank account. I asked why no one let me know. I never received an email or phone call, it seemed like an easy fix. I also let him know that I had just made another payment using my same checking account information and would that also be returned. He assured me the payment had gone through and the information was good. So, I did n't understand what the original problem was. He also told me he could not refund the returned payment fee but that my new payment had gone through. 

I 've been checking my bank account to see if the charge had cleared and it had not. So I went back on the website for the credit card and again, I had another returned payment and another fee. I also have another email saying my payment had been processed. I have now been charged {$50.00} in returned payment fees and my account is not up to date. I want to know why I was never contacted when my payments did n't go through. I also want to know why when I called the bank and spoke to someone I was given misleading information regarding my account. I want the charges reversed and I made good faith effort to pay this bill on more than one occasion.
Consumer complaint received 2024-01-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC (WV)

Wakefield Associates called me and told me that they were trying to collect a debt for {$2100.00} and I told them that all my bills are paid and they need to go back and check their records, i thought it was a scam so I hung up the phone. 
On XX/XX/XXXX first thing in the morning i started receiving reports in my email that my credit report was losing points because of a major derogatory mark, i found out it was Wakefield Associates so looked up their phone number and called. I talked to a guy named XXXX XXXX he was not nice at all ) and told him that i did not owe any bills and had not been to the facility in question where the bill was from. He asked me for my birth date to verify my identity and when i give it to him he said it did not match what was on his records so i give it to him again and he said it did not match. 
I ask what was the birth date he had on record and he said that he could not give me any information and I told him that is because it was not me and now my credit is taking a hit because they are calling the wrong person. he said i could dispute it and I asked him how and he said to call the credit bureau. 
I then called the company billing dept that they claimed i owed and they dont even have me in their system. 
Today Monday XX/XX/year> i received another call from Wakefield at XXXX XXXX  and this time I talked to XXXX XXXX ( she was nicer ) she asked to verify my identity and i told her that i will give her my birth date but it won't match in her system because they are calling the wrong person, i give it to her and it did not match. i told her i was reporting it to the FTC and she said she would put it in her records that it was being disputed. 

I just want this off my records so i can have my credit back, i have worked hard all my life to keep great credit and it is wrong that a company can just do this and i have to go to great lengths to restore something that should not have happen.
Consumer complaint received 2018-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (NJ)

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Escrow Disbursement Clearing, XXXX XXXX XXXX XXXX, XXXX, PA XXXX ; check # XXXX ; dated : XX/X/2012 for {$7600.00} drawn upon XXXX XXXX XXXX XXXX was denied. BAD CHECK : I have written the company regarding the check that was denied by my bank for a replacement. The company refuses to replace the check claiming that it was cashed. I requested a copy of the cashed check showing my signature and XXXX XXXX XXXX refuses to provide one.
Consumer complaint received 2020-05-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My Bank of America personnel checking account has had fraudulent purchases made over a 3-week time frame from XX/XX/2019 through XX/XX/2019. The fraud for purchases for XXXX XXXX ( mobile co ) and XXXX ( home improvements co  ). 

The fraud claim totaled {$11000.00}. Refunded {$7600.00} and pending {$3600.00}. Bank of America stating the remaining {$3600.00} will not be issued a refund and claim is resolved. I am protesting this determination and I am owed a refund of {$3600.00}. 

XXXX XXXX fraudulent charges were refunded the value of {$6100.00}. XXXX fraud charges are a total of {$5200.00}. Refunding only {$1500.00} for fraudulent XXXX charges from Mississippi state. NO refund provided for {$3600.00} fraudulent XXXX charges from Ohio state. I, XXXX XXXX live and work full time in the XXXX Florida area. 

I have been rejected 3 times on this claim, with no validation for the rejection. Bank of America has failed to secure my financial account. I have been the victim of fraud. 

Also, I have been the victim of identity fraud in XXXX County Florida. The XXXX Circuit Court of Florida XXXX  and XXXX   XXXX  two men for {$8800.00} in bank loan received in my name in 2019. That banking institution involved determined this was a case of fraud  as well. 

Additionally, I have been the victim of identify fraud, by attempts to receive credit loans in my name. A total of 9 letters of loan rejections were received between XX/XX/2019 through XX/XX/2019. 

Finally, XXXX  as one of the three largest consumer credit reporting agencies in American has determined my disputes as a victim of fraud. 

In Conclusion, since I reside and work in the state of Florida, any purchases from Ohio State would be considered far outside of my typical purchase location and historically not accurate. As the provable victim of fraud, this further substantiates that these Ohio State XXXX   purchases are also fraudulent.

See the documents attached.
Consumer complaint received 2022-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (FL)

Thought there was a mistake when I initially applied for a balance transfer it never went through online so they took the application on the phone sometime past I called them to check on the status and they said there was a problem I then asked them what the problem was and they said that they needed more information because there was a security fraud issue and did not elaborate error they evaded the question I found out later when I called XXXX was that I had a credit freeze on my account that they probably couldnt access it and that I should call Discover back I called them back and tried to straighten it out and they said that XXXX wanted a form filled out to confirm some information and I asked why is it necessary and they evaded the question several times during 3 conversations they wouldnt answer me directly ; subsequently I called XXXX back they g they said that there was there really isnt much They can do. guess they can just get away with cutting me off from my own account that was always paid on time had excellent credit for no reason they wanted to re-verify everything and I did expect this not with my credit history. I unlocked my credit report when I talk to XXXX and they can access my current information and my on time payment history including paying off their card but they refuse to cooperate and I have o account or rights apparently. XXXX denied they had anything to do with this situation.
Consumer complaint received 2018-01-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc. (CA)

I received a letter over the XXXX holidays for an amount I owed my medical provider in XXXX. The total amount seems suspicious and very low ( totals to less than {$100.00} ). But this debt collection company XXXX XXXX has added on {$2200.00} as additional and {$550.00} as interest! 

To my knowledge Ive paid all the bills correctly with my medical provider. 

In addition, they claim to begin collection activities within 10 days of receipt of the mail. Unfortunately that means that due to the holidays, it leaves me very little time to respond and investigate. 

Plus, adding XXXX dollars to a XXXX dollar debt seems ridiculous. Please help!
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Trans union XXXX XXXX XXXX all reporting inaccurate information on my credit report for XXXX XXXX  XXXX XXXX ARE NOT REPORTING ACCURATE, SUCH AS TRANS UNION XXXX XXXX XX/XX/2018 / XXXX  reporting XXXX XXXX reporting XX/XX/2018 XXXX THIS ACCOUNT IS ALSO SHOWING A PASS " DUE BALANCE OF OF XXXX FROM XXXX AND XXXX XXXX FROM TRANS UNION AND XXXX XXXX! ALSO THE INCORRECT CHARGE / OFF DATES ARE INCORRECT LAST REPORTED DATES ARE DIFFERENT AND ALL THE DATES OF LAST ACTIVITY ARE ALL DIFFERENT PLEASE REMOVE INACCURATE REPORTING
Consumer complaint received 2022-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MT)

I sold the property on XXXX. 

The title company sent excess funds to LoanCare. 

I called Loancare on XXXX to request a refund of the overage. 

Loancare informed me that it would be at least 20 days until they could refund the overage because they had processes to complete. I asked the representative to explain what processes they needed to complete, she said, I don't know if they do anything, they just tell us to say at least 20 days. 

I'd like a refund of the excess charge of {$110.00} Property Address : XXXX XXXX XXXX XXXX XXXX MT XXXX Loan Number : XXXX 2.750 % Interest Rate {$0.00} Current Balance {$260000.00} Original Loan Amount XXXX/XXXXXXXX Maturity Date
Consumer complaint received 2021-09-24
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been fighting with Capital One /Walmart for months now. In XXXX of this year there was a charge made on my card that I did not do. When I notice it in XXXX went into Walmart and report it fraud and cancelled my card. Capital One filed a fraud report and said that it wasnt fraud. Totally XXXX .. Their reasoning behind it was that it was a chip card and was not reported lost or stolen. So that would only mean that someone got ahold of my number and did a purchase online. On XX/XX/2021 again I spoke with a fraud specialist at Capital One and again he deemed it not fraud and refuse to remove the charges, I then try disputing this myself and even went down to my locl police station and file and report and Id theft affidavit. Why would I go thru all this trouble if it wasnt fraud. This is interfering in me purchasing a home. I have enclose a copy of the police report the dispute I file and the affidavit. I want this remove from my credit ASAP