davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

For the second time in 6 months my account has seen fraudulent activity. The previous times my account had money taken and I was told it appeared my checks were used by a person affiliated bank. My account was closed and a new account was opened and new cards issued. Then this week the same thing happened to my account. The bank lost another {$4200.00}. Again no one in the bank notified me of these fraudulent transactions, I noticed them in my account and contacted the bank. During the call I noticing XXXX  fraudulent checks pending, I asked them to stop the transactions and was told they would allow them to clear as the money in my account was already withdrawn. I was then told since its the weekend it will be another 2 days before the investigation will begin and it will take XXXX before I see any results or repayments. Since this account is used for paying bills I run the risk of over drafting as they did not freeze the account. No one seems willing or able to make this an urgent matter, protect the money still in my account or help me in a way where I am not out XXXX for the next few weeks.
Consumer complaint received 2024-03-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MD)

In XXXX  the car was turned over for repossession and the pick up location was given to the owner of the vehicle meaning the bank. Two weeks ago, around XXXX XXXX I reached out to them again to ensure that the vehicle had been picked up because I was receiving a numerous amount of calls from, the collection company stating that they needed the address for pick up. Reached out again a week ago gave them the address again and Im still receiving the calls in addition the balance on my account because the vehicle is under repossession is affecting my credit score, and I have agreed to make monthly payments until I can pay it off. Even after repossession.
Consumer complaint received 2024-03-02
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I attempted to use the card to pay for my child 's tuition in the amount of {$500.00} on XX/XX/XXXX and the transaction was declined. Somehow this triggered an automatic credit by the school for {$500.00}. The starting balance of the gift card was {$500.00}. After the credit, it was {$1000.00}. The card issuer froze the card and made it unavailable for use. When I contacted them by phone on XX/XX/XXXX, the representative advised that the card was frozen due to the amount exceeding the card balance. They said it will take XXXX months to resolve this issue, which sounds extremely excessive and unreasonable. I am concerned if this is legally allowed. 

I emailed them on XX/XX/XXXX and XXXX with the receipt showing the credit that was issued by the vendor due to the declined transaction. I explained to them previously that there was no purchase receipt because on the vendor 's side, the transaction never posted. 

When I called them today to follow up ( XX/XX/XXXX ), they said the case was closed because they did not have the purchase receipt. I was never contacted with this update. 

As well, I had other gift cards by this issuer that have been extremely difficult to use in standard transactions. Because they were gifted to me, I am stuck with them.
Consumer complaint received 2024-03-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (NC)

I am writing to dispute the inaccurate reporting of the loan account XXXX associated with my name to the main credit bureaus. Contrary to the current records, this account should not display as active by Goldman Sachs Bank or with a balance. 

Goldman Sachs Bank closed my account and transitioned the service to a sub-par company in XXXX of 2023. This practice makes me doubt of the solidity of this bank and I highly encourage other customers to question their investment in such bank with such unfair and deceptive practices. They didn't give proper notice of this transition and they refuse to answer any questions via their customer service. I also took all my savings out of this bank and moved them to a safer bank. 

The mentioned account was officially closed by Goldman Sachs Bank on XX/XX/2023. Despite this closure, it has come to my attention that Goldman Sachs Bank continues to report this account as active, with an outstanding balance, and inaccurate recent payment history to the credit bureaus. This inaccurate reporting is affecting my credit unfairly and must be corrected immediately in all credit bureaus. 

This oversight and unfair practice is causing a significant impact on my financial standing.
Consumer complaint received 2024-03-02
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Reliable Credit Association, Inc. (MT)

Contacted my Mother posing as someone calling about an employment reference, asked her to provide my name, address, and place of employment. They apparently have a track record of this activity, and nothing has been done.
Consumer complaint received 2021-11-02
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. (LA)

I sent in dispute letter to remove hard inquires that were not authorized by me. Below is the list of Hard inquires on my report. 

1. XXXX  XXXX  XX/XX/XXXX 2. XXXX  XXXX  XXXX  XX/XX/XXXX 3. XXXX/XXXX XXXX XXXX  XX/XX/XXXX 4. XXXX  XXXX  XXXX XX/XX/XXXX 5. XXXX  XXXX  XXXX  XX/XX/XXXX 6. XXXX  XXXX  XX/XX/XXXX I also have a medical bill that have been removed on other Bureaus account but one 1. account # XXXX  XX/XX/XXXX FOR {$68.00}
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: GOLDMAN SACHS BANK USA (GA)

On XX/XX/2023 a certified letter was mailed to XXXX XXXX-Apple requesting a debt verification for an account that was fraudulently reported on my consumer report. 

I never received a response to my request. I have attached a copy of the domestic return slip confirming the letter was delivered to the address provided on my consumer report. 

Pursuant 15 USC 1681i ( 7 ) Method of verification this account is in violation, it was reported without valid evidence.
Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

Sears Credit Services by CITI failed to send me a XXXX XXXX in 2024. I called XXXX and paid my XXXX XXXX of {$61.00} by Bank Card. The {$29.00} late fee was waived by phone due to an excellent payment history. A reprint of my XXXX and upcoming XXXX statement was sent by USPS. The XXXX Statement was sent but failed to note my XXXX Statement payment of {$61.00} ( on XXXX ) and the waived {$29.00} late fee in XXXX ( on XXXX ). The XXXX Statement was for {$150.00} for {$61.00} ( XXXX ) {$29.00} ( XXXX Late Fee not reversed as promised ) and {$62.00} for XXXX. I paid my XXXX Bill of {$62.00} on XXXX to bring my account current. I called ( XXXX ) Sears Credit Services by " XXXX '' said that my payment was late ( {$29.00} ) in also demanding that I pay XXXX Statement billing of {$90.00} early for a total of {$110.00}. I dispute the XXXX Late Fee of {$29.00} and will only be rendering {$90.00} for XXXX Statements billing of {$110.00}. If I am charged a late fee ( XXXX ) and/or it is not removed ( XXXX ) another complaint will ensue with the XXXX  and FTC in protecting my credit rating. End of Statement
Consumer complaint received 2024-03-02
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I received an American Express gift card for {$500.00} as a holiday present from my company. I am unable to use the card at multiple retailers online despite having a balance that is greater than the purchase amount ( one for {$150.00}, and one for {$57.00} ). I have activated the card, and followed the steps necessary to use said gift card. I have tried to purchase items at stores that accept American Express, but each transaction has been declined.
Consumer complaint received 2024-03-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION (CA)

A car loan was taken out in my name in XXXX California. I live in XXXX California, am a XXXX XXXX XXXX XXXX  Veteran, and do not drive. On XXXX XXXX, 2024, I received a bill stating that I owed XXXX for a XXXX. I called the company and was told they had my current ID picture, social security number, and signature. They also told me they had talked to me on the phone, stating that I had signed up for the car. This is untrue. I never signed up for a car, nor did I buy a car, nor did I give my information to anyone to purchase a vehicle. This is identity theft and a crime. 
I have reported to local police in XXXX California, XXXX XXXX XXXX, and the Federal Trade Commission. The company 's representative told me I may have forgotten they talked to me. This is untrue because the company called me at my XXXX XXXX XXXX XXXX, and two assistants heard my conversation with the company 's representative. Unethical used car dealerships are using identity theft tactics to sell cars, and credit companies are aiding the car dealerships for financial gain. The thieves and salesperson collaborated with the contract and falsified my identity. Now the credit company is avoiding giving me any falsified contracted documents signed.
Consumer complaint received 2024-03-07
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. (MN)

Reference # XXXX XXXX XXXX CHARGED MY ACCOUNT XXXX DOLLARS AND I REPORTED TO CHASE AS FRUAD. THEY CHARGED ME XXXX DOLLARS EVERY SIGNLE TRANSCATION, YET CHASE CLOSED MY CLAIM AND SAYING THAT IT IS NOT FRUAD. 

CHASE IS REFUSING TO LOOK INTO THIS AND I'M MISSING XXXX DOLLAR FROM CHASE. 

HOW CAN 50 TRANSCTION WITH XXXX DOLLAR SAME AMOUNT NOT BE FRAUD?
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

Sears continues to maintain that I am past due in damaging my credit rating on their computer-generated XX/XX/2024 Statement in the amount of XXXX on a late fee that I believe was carried over from a reversed late fee by phone on XXXX in XXXXXXXX XXXX XXXX as I did not receive a XX/XX/2024 Statement before XXXX by mail. I brought my account current on XXXX by paying {$61.00} over the phone and was told that my {$29.00} late fee would be waived. On XXXX I paid my XXXX quoted fee of {$62.00} early before XXXX in XXXX 's billing computer generated carryover of {$150.00} for XXXX consecutive billing cycles. If you add {$61.00} ( XXXX ) and {$62.00} ( XXXX ) and the alleged late fee in XXXX it will equal {$150.00}. I will continue to dispute late fees in the amount of {$29.00} in the computer-generated XX/XX/2024 statement for {$110.00} due XXXX. On XXXX, I sent an electronic check for {$90.00} in disputing the additional {$29.00} late fee carryover for XX/XX/2024 's statement. 

Sear continues to call me ( since XXXX ) demanding a late fee payment ( {$29.00} ) and demanding early payment of the next business cycle. This has happened three times since XXXX to present. {$210.00} has been paid in fees over the last three billing cycles. {$29.00} in alleged late fees is disputed over the period. Complaint was made to the CFPB # XXXX. Sears has allegedly retaliated with a text dating XXXX telling me that my account .. '' is or may be restricted. '' Another complaint to the CFPB will ensue. I will continue to make complaints to the XXXX  and CFPB until Sears corrects their records and eliminates the incorrect alleged late fee/s moving forward. Sears is not to harass me by phone, text or mail about the alleged late fee/s any further and shall answer these XXXX  complaints as well as the CFPB complaints.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

This is my second time disputing the following accounts : -XXXX  XXXX XXXX  XXXX XXXX # XXXX -XXXX  XXXX  XXXX XXXX XXXX XXXX -XXXX  & XXXX  XXXX  # XXXX -XXXX  XXXX  XXXX  # XXXX -XXXX  XXXX  XXXX # XXXX XXXX XXXX  XXXX  # XXXX I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize.
Consumer complaint received 2015-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (OH)

For the last several years our mortgage company has delayed sending our coupon payment booklet. It is normally due to be sent out XX/XX/XXXX we didnt get it till XX/XX/XXXX before it was XX/XX/XXXX. When we call its always a hassle, to make a over the phone or online is an extra XXXX-XXXX dollars to make a payment?
Consumer complaint received 2021-11-02
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. (NC)

XXXX XXXX  XXXX  XXXX, XX/XX/2021 reported a medical collections account to the credit bureaus, the company has violated my Hippa laws, and this company has failed to make any contact with my to verify any debt.
Consumer complaint received 2024-03-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P. (WI)

Sent letter to LVNV on XXXX XXXX for a debt they claim I owned requesting proof of ownership, the right to collect on the and to show it was not written off as a tax liability, A signed agreement between me and creditor or me and collection agency, purchase agreement showing who has owned the debt and if the debts is able to be sue for. I received no Communcation back for the debt collection agency within XXXX days. Instead on XX/XX/XXXX I received notice I was being sued for the debt in civil court.
Consumer complaint received 2024-03-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) which involved me making deposits for a total amount of XXXX USD from my PayPal account to fraudulent investment firm ( XXXX ).
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc. (TX)

I have already filed a dispute with XXXX about accounts that have been charged off. I wrote a letter in the dispute saying that any charged-off accounts are now certification of indebtedness which is now income and income can not be reported on a credit report. Also, the account has been reported to my report recently. Which is a violation of The privacy of 1974, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1679c - Disclosures, 15 U.S. Code 6803 - Disclosure of institution privacy, and 15 U.S. Code 168XXXX - Congressional findings and statement of purpose. I will be attaching my letter.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (AZ)

I have requested my reports from LexisNexis on multiple occasions especially my CLUE report and background reports. I have submitted my identification information and I have received letters claiming my requests are unable to be processed because the information I submitted was illegible or my identification was not submitted.
Consumer complaint received 2021-11-02
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. (MO)

I have attempted several times to get trans union to remove a fraudulent hard inquiry for several months the company XXXX XXXX ( XXXX ) has turned over the removal several times to trans union to remove the inquiry and still nothing from transunion
Consumer complaint received 2024-03-04
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC. (TX)

I voluntarily had my XXXX XXXX XXXX XXXX  ( VIN : XXXX ), purchased in XXXX, repossessed in XXXX due to the global pandemic of COVID-19 and I was unable to pay my monthly payments due to unemployment during this time. I was residing in California during this time. 

I settled the account on XX/XX/XXXX. Before purchasing the vehicle, the associate working with me at XXXX in XXXX, California XXXXXXXX XXXX me. He then proceeded to track me down on social media and texted me multiple times after I purchased the vehicle. During the process of the purchase, I felt I had no choice but to agree to the ridiculous interest rate terms, even though I was extremely uncomfortable. He knew I could not afford this vehicle and pushed me to do it anyway. 

Aside from this, Santander Consumer recently settled a {$550.00} XXXX lawsuit due to the negligence of their clients. 

" Santander Bank has reached a {$550.00} XXXX dollar settlement with XXXX states to settle predatory loan charges to low-income and subprime customers. XXXX XXXX XXXX XXXX XXXX I have requested many times that Santander Consumer remove the repossession/delete the account completely off my credit reports due to their negligence, but also because I paid off this account and did my due diligence because I voluntarily had this car repossessed during a global pandemic. 

This would've never happened under normal circumstances. Please resolve this matter by removing this voluntary repossession from ALL of my credit reports and completely deleting the account from ALL of my credit reports.
Consumer complaint received 2024-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MO)

XXXX the company began unlawfully furnishing my personal information, soon there after I asked for the company to show proof of permissible purpose, 15 U.S.C. 1681, showing my consent in writing to no success. Soon after asked them to cease communication to consumer reporting agencies in writing multiple occasions as recent as XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2024-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (NJ)

Linebarger Noggin Blair & Sampson , LLP., through their attorneys & representatives, has committed aggravated identity theft. There is no Privity of contract. Linebarger Noggin Blair & Sampson , LLP through their attorneys & representatives are attempting to extort me for money ( payment ) which is a crime under title 18 of the United States Code. They do not have Proof of the existence of this alleged debt and outstanding balance, proof of a contract verifying their client or Linebarger Noggin Blair & Sampson, LLP can legally collect on this alleged debt, and proof that their client is the current holder of the instrument which created the alleged debt with my original blue ink signature. It also appears that they are practicing law without a license and are foreign agents. I request to see their foreign agents registration with the Attorney General. And if you are being retained by the original creditor, I request to see the retainer agreement. I will report this to the Federal Trade Commission and other appropriate authorities. I refuse to pay this alleged debt.
Consumer complaint received 2024-03-04
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. (WI)

I received an email my checking account balance was below a certain amount which I knew was not accurate. I logged into my Chase.com account and saw a check pending for XXXX which I did not write. I called thinking there had been fraud. The chase representative pulled up the check details it was not my name or my account number it was a system error that took the money of out of my checking account by mistake- I said great so fix your mistake we cant so they can take the money out but they cant put it back in? This is not my mistake and now I cant go grocery shopping and my bills will not clear and checks will bounce and Ill get fees over something chase did wrong. The representative sent me to a supervisor named XXXX who claimed its a 5 day process to fix their mistake and he couldnt give me my money back or do anything to help me. So at anytime chase can go into my account take my money and theres nothing I can do about it.
Consumer complaint received 2024-03-02
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CO)

My XXXX 's credit card account was charged a late fee even though my payment was automatically set to be made on the due date. The company even acknowledged that they received the full statement balance on the day after the due date. I asked them to close the account in the meantime. However, now the company is demanding payment of the late fees and is charging more late fees. They are also threatening to increase the late fees every month. As a result, the late fees and interest are going to be more than the original balance on the card. Every time I call the agent, they demand payments and don't offer any resolution to this dispute. But, I don't want to pay any late fees since I did not pay late as the company is claiming.