davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-17
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 (MI)

I placed an order for a XXXX XXXX device on XX/XX/year> in the amount of {$180.00}. I purchased the device as it was advertised to be able to copy XXXX key tags and emulate signals so that I could use it to copy some personal keys. After following the instructions clearly and trying to use the device I realized that it was not functioning properly and seemed to be defective. The device does not put out a signal. 

I contacted XXXX XXXX on XX/XX/XXXX with my concern and provided all requested information alongside a request to return the item. 

XXXXXXXX XXXX  refused my request to return the device and claimed that the device is not faulty. 

They claim to have a warranty for defective items but will not honor the policy. 

XXXX XXXX has taken extensive periods of time to reply to me, letting their 30 day return policy lapse. 

They have not given me any instruction, address, or approval to return the item. I have asked to return it several times but they will not accept a return. 

I filed a dispute with Goldman Sachs for my Apple Card and they have repeatedly refused my dispute saying that there was no evidence to substantiate my claim. When asked why they refused the claim they said that there is no evidence that I returned the item even though I have clearly stated that I have not been able to return the item because XXXX is refusing to accept it. 

I do not want their defective device, I simply want to return it and receive my {$180.00} back. However, both XXXX and Goldman Sachs are not helpful. 

XXXX has replied saying that they noticed I filed a dispute that was decided in their favor and has used that to back themselves up. 

Goldman Sachs will not stand with me as a consumer being taken advantage of by XXXX XXXX Their investigation process is faulty and they are not transparent about the process. 

They have repeatedly refused my chargeback as they are not taking the time to fully understand and read through my claim.
Consumer complaint received 2022-04-07
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. (GA)

By federal requirements youre all supposed to investigate certified mail that I sent you. Over the course of the last six months I have spent my hard earned money to be able to afford sending you mail that you guys are required to investigate.

You all should be ashamed of yourselves as companies you guys have caused me a great deal of anxiety and stress Once again each unless one of you companies are willfully noncompliant when it comes to my affairs.Let this be your final warning and I notice to all of you.

My attachments are attached to this complaint.
Consumer complaint received 2022-01-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (KY)

Debt collector agency Midland Credit Management ( TM ) sent a 'Final Notice ' to the referenced consumer, regarding an alleged debt for a credit account. In the final notice, Midland Credit threatened a potential lawsuit/attorney review if the consumer did not reply by a certain time ( XX/XX/2021 ). Garnished wages and damages to the referenced consumer 's credit report were also threatened. Midland Credit said that the referenced consumer owed { {$2900.00} }, but also displayed that they were the sole owner of the debt. Midland Credit did not receive permission to communicate with the consumer on any occasion, in any form ( telephone, email, etc. ). Lastly, Midland Credit did not provide the referenced consumer with notice of opportunity to dispute the alleged debt. These are violations under U.S. Code Title 15, Chapter 41. The referenced consumer sent an Affidavit of Truth to Consumer Report Services/Midland Credit Management , as well as an invoice regarding the violations/damage incurred to the consumer.
Consumer complaint received 2023-01-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On [ XXXX ] I disputed two accounts reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was informed with a letter dated [ XXXX ] that the items were deleted from my credit report. Now upon recently checking my credit report I have discovered that the items has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the items from my credit report in order to avoid legal action.
Consumer complaint received 2022-01-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc (FL)

I have an on line bank account with chime my social security checks are direct deposit in my spending account. They offered me their credit builder credit card I was told I put amount I want to spend on card and that's what's available but that not how it works I called them and I was told they took XXXX from my checking on XX/XX/XXXX so that was available to spend but then XX/XX/XXXX was a new statement so they took out of my money in credit builder because said I owed them because even though all my check was put in XXXX was new month took XXXX that I spent when my money was available. It is made to be confusing they took my money and I want to close account and I want my security deposit back it's my rent money and chime couldn't explain why other then month before I had put more money in but as a secured credit card that's not right I did not go over my limit I put money in to pay bills and they took money for bills 2 days after I put it in there
Consumer complaint received 2023-01-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services (NC)

No matter how on time or how much I pay the payoff never changes, 4 years still owe the same amount they are holding my title and title loans i thought were illegal in NC please help my nightmare, im on XXXX and an being taken advantage of at this point
Consumer complaint received 2021-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

i tried to send a domestic transfer. i am out of the states. the bank flagged the transaction and asked me a verification number as to where my social security was issued. the information stored in their system is wrong and accordingly I always got a wrong answer, and thus they would not able to process my request
Consumer complaint received 2021-04-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I sent a dispute to the credit bureaus about a collection XXXX XXXX XXXX XXXX XXXX and have not received a response back or any results
Consumer complaint received 2018-09-27
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: CITIBANK, N.A. (IL)

On XX/XX/18 my credit card was used to make a purchase for a dress from XXXX  ( merchant ) for {$110.00}. 
On XX/XX/18 I received the dress with incorrect sizing. 
Per merchant they had a 45 day return policy from the date of delivery. 
On XX/XX/18 I contacted the merchant to ask for an address to be able to return the dress for a refund. 
On XX/XX/18 the merchant did not respond so I followed-up with them. 
On XX/XX/18 I got a request from the merchant for additional details. 
On XX/XX/18 I provided the additional details to the merchant. 
On XX/XX/18 I got a short note from the merchant that they don't return a dress after 7 days from when you received it. 
On XX/XX/18 I stated I contacted them within 7 days ( even though their website says 45 days ) and expect to be able to get a refund. 
I never heard anything else from the merchant. 
I filed a dispute with Citi Credit Cards for the {$110.00} as I didn't get the item ordered and wanted to do a refund. 
On XX/XX/18 I got a note for Citi Credit Cards stating they requested additional information on my dispute. 
On XX/XX/18 I faxed Citi Credit Cards the additional information. 
On XX/XX/18 they denied my dispute and told me to resolve with the merchant. 
On XX/XX/18 I am filling this complaint as Citi Cards did not take my dispute seriously enough as I provided them the unresponsiveness of the merchant and my many attempts to resolve the issue.
Consumer complaint received 2023-01-29
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX In accordance with the Fair Credit Reporting act XXXX, the following accounts have violated my rights : XXXX XXXX XXXX - XXXX - {$1400.00} DEPT OF EDUCATION/XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-03-04
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: Innovis (CA)

I I got scammed online by an individual that i do not know, accounts had been opened in my name, this person had stolen my identity, I have contacted police the told me to file IC3 FBI report and an FTC is attached to this complaint. Please block this fraudulent accounts from my credit file.
Consumer complaint received 2019-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (CA)

On XX/XX/2019 our vehicle was in an accident the insurance company totaled the car out the Principle loan balance as of XX/XX/2019 was {$23000.00} XXXX XXXX paid out {$15000.00} Gap Insurance paid {$3000.00} the Lienholder/finance company says I still owe {$6300.00} & is now reporting to my credit after those other payoffs of that balance & says it is a Open Active non Collateral Loan I asked if they can send me the contract I signed they stated that it was not in the contract. The interest on the loan is 27.29 % XXXX  per day interest. During the loan Total Principle paid for 1.5 year payments was around {$200.00}.
Consumer complaint received 2019-03-04
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (TX)

The Company who contacted me today, XX/XX/XXXX, had all of my personal information, address, social, date of birth, and mobile phone number. They rang me from a number that was local to my area code and state. The number they called from is : XXXX. The name of company is : XXXX XXXX XXXX. They claim that I owe a private student loan through them for XXXX from XX/XX/XXXX. They list a college that I did not attend, XXXX University, and a client they represent under the name XXXX XXXX XXXX. I have never been a client of that company. Until today, XX/XX/XXXX. I had never heard of this company, have received no notices or bills demanding a payment. They claim to have received my name and contact information in their office on XX/XX/XXXX and they demanded that I settle the debt, and mentioned that " the account is too old for them to sue me, but I can settle it now for a lessor amount. '' I do not owe this bill. I reiterate that I have never attended XXXX University. I asked that they send me the copy of any signed agreement or promissory note for verification purposes. They claim that they do not have the contract in their files and it would be sent via their client, XXXX XXXX XXXX. I do not want this debt to appear on my credit report. All of my private student loans are consolidated through another legitimate company. I have since contacted my debtors to find out if they have either name on my accounts or a debt for that amount. They report no such findings. Please help. I wish to file this complaint with your office. This is clearly FRAUD.
Consumer complaint received 2018-09-27
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. ()

I have disputed with XXXX  about a few things on my credit report several times. I have just disputed with them recently about a few accounts that have been closed for years but was included in my bankruptcy this year. They are refusing to remove them off my credit report. I have attempted several times before I decided to contact you. I'm trying to rebuild my credit but XXXX  is making it very difficult for me. All the student loans are consolidated under XXXX XXXX. They wont remove all the old Dep of Ed/XXXX  ones off my report. The accounts that I'm requiring about is : Dept of Ed  XX/XX/XXXX Account is under XXXX XXXX Dept of Ed XX/XX/XXXX Account is under XXXX XXXX Dept of Edu XX/XX/XXXX Account is under XXXX XXXX Dept of Edu  XX/XX/XXXX Account is under XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account was included in Bankrupcy XXXX XXXXXXXX XXXX XX/XX/XXXX Account was included in Bankrupcy U.S Dept of Edu-XXXX XX/XX/XXXX Account is under XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Account was in included in Bankrupcy XXXX XX/XX/XXXX Account was included in Bankrupcy Dept of EduXXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Accounts is under XXXX XXXX. 

I would like all these all removed off of my credit report. That way my credit report is would be correct. Thank you XXXX XXXX
Consumer complaint received 2019-03-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CULLEN/FROST BANKERS, INC. (TX)

Things aren't adding up here when I use this company. There was a {$80.00} fee at a gas station that was not made by me. The company would not reverse the charge. They now took away the ability for me to even change my password online. They also are charging excessive exorbitant fees. I really think you need to take a look into this. At this point I am choosing another bank. It's getting pretty weird.
Consumer complaint received 2019-03-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NJ)

I was in a process of buying a coop apartment. 
Here is my experience. 

XX/XX/XXXX I signed closing disclosure. Right after signing the closing disclosure I received an email from XXXX XXXX XXXX, XXXX asking me to wire the money ( cash to close ) to the title company. The emails were fraudulent. Emails were never sent by the mortgage company. 

XX/XX/XXXX I wired {$33.00}, XXXX ( cash to close ) based on the fraudulent emails from my XXXX XXXX account to the Title company account in Wells Fargo. Apparently it turned out to be a private account and not the title company account. 

XX/XX/XXXX I received a call from my transaction attorney asking me to go to XXXX XXXX and reverse the wire because money went to the private account. I was also provided with the phone number of Wells Fargo Fraud Department and the case number.

I called Wells Fargo Fraud Department from my XXXX local branch. 
I was explained that they noticed something was off and opened up a fraud case however didnt not stop the wire. The lady also mentioned there had been another fraud on the same account prior to me wiring the money. This is why they suspected something was fishy. 
Wells Fargo requested an indemnity letter from the XXXX XXXX to be able to reverse the wire. 

XX/XX/XXXX I filed a police report. 


After multiple conversations with the XXXX wire department my case was referred to XXXX XXXXraud Department. 


XX/XX/XXXX My case was approved by the legal Department of the XXXX XXXX and indemnity letter requesting to reverse the wire based on the fraud was sent to the Wells Fargo. 


XX/XX/XXXX Wells Fargo wired {$16.00}, XXXX back on my XXXX account. 
I received the response from Wells Fargo over the phone that the rest of the money ( {$17.00}, XXXX ) left the account and they were not liable for the loss. 


Since that time Ive had multiple conversations with different people from Wells Fargo Fraud Department including Vice President XXXX XXXX who explained to me that Wells Fargo were not able to do anything else and not liable for the loss. An official letter was written and sent to me. 


Id greatly appreciate if you could help me understand if anything else could be done to recover my money. I also feel very strongly that no person should go through such horrible experience. 

Thank you.
Consumer complaint received 2023-03-20
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: EQUIFAX, INC. (LA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-08-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (OH)

I am paying my car loan back at a payment and a half per month with GM Financial to catch up after falling on tough financial times. Have discussed with them multiple times the plan. In the past 3 days alone, they have called me 15 times! When I questioned them, they said, well the computer says weve only twice today.
Consumer complaint received 2020-04-13
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: General Motors Financial Company, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : GM FINANCIAL XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.